Heritage Bank (WA)

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.heritagebanknw.com

360-943-1500

201 5th Avenue, S.W.
Olympia, WA 98501

Heritage Bank (WA) is headquartered in OLYMPIA and is the 5^th largest bank in the state of Washington. It is also the 213^th largest bank in the nation. It was established in 1927 and as of March of 2025, it had grown to 757 employees at 50 locations. Heritage Bank (WA)'s CD rates are 2X the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	29012
Year Established	1927
Employees	757
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.89%
Return on Equity - YTD	7.1%
Annual Interest Income	$77.4MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$7.13B$7.09B
Loans	Q1 2025vs Q1 2024	$4.71B$4.38B
Deposits	Q1 2025vs Q1 2024	$5.85B$5.53B
Equity Capital	Q1 2025vs Q1 2024	$895.6MM$863.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$52.2MM$49.7MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$3.5MM$3.8MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Heritage Bank (WA) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%^*	$500k^*	-	Peak Savings
OTHER TIERS: 0.04% → $0 - $50k \| 0.06% → $50k - $100k \| 0.10% → $100k - $500k
0.10%^*	$10k^*	-	Health Savings Account
OTHER TIERS: 0.05% → $0 - $5k \| 0.08% → $5k - $10k
0.04%	$0	-	Alpine Savings

Heritage Bank (WA) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$500k^*	-	Cascade Money Market
OTHER TIERS: 0.03% → $0 - $10k \| 0.05% → $10k - $25k \| 0.08% → $25k - $50k \| 0.10% → $50k - $75k \| 0.15% → $75k - $100k \| 0.23% → $100k - $500k

Heritage Bank (WA) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.65%^*	$1m^*	-	Premier Checking
OTHER TIERS: 0.02% → $0 - $10k \| 0.04% → $10k - $25k \| 0.06% → $25k - $50k \| 0.10% → $50k - $100k \| 0.30% → $100k - $250k \| 0.40% → $250k - $500k \| 0.50% → $500k - $1m
0.05%^*	$50k^*	-	Summit Checking
OTHER TIERS: 0.02% → $0 - $25k \| 0.04% → $25k - $50k

Heritage Bank (WA) CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.85%^*	$25k^*	-	3 - 5 Month Flex Term CD Special
OTHER TIERS: 3.55% → $0 - $25k
3.50%^*	$25k^*	-	9 Month Anniversary CD Special
OTHER TIERS: 3.25% → $2.5k - $25k
3.30%	$0	-	13 Month Celebration CD Special
3.00%	$0	-	18 Month Fixed Rate CD Special
2.10%	$0	-	12 - 17 Month Fixed Rate CD
0.40%^*	$25k^*	-	9 - 11 Month Flex Term CD
OTHER TIERS: 0.30% → $0 - $25k
0.40%	$0	-	19 - 24 Month Fixed Rate CD
0.40%	$0	-	30 Month Fixed Rate CD
0.40%	$0	-	36 Month Fixed Rate CD
0.40%	$0	-	48 Month Fixed Rate CD
0.40%	$0	-	60 Month Fixed Rate CD
0.30%^*	$25k^*	-	6 - 8 Month Flex Term CD
OTHER TIERS: 0.25% → $0 - $25k

Heritage Bank (WA) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%	$0	-	18 Month Fixed Rate IRA Special
2.10%	$0	-	12 - 17 Month Fixed Rate IRA
0.40%	$0	-	19 - 24 Month Fixed Rate IRA
0.40%	$0	-	30 Month Fixed Rate IRA
0.40%	$0	-	36 Month Fixed Rate IRA
0.40%	$0	-	48 Month Fixed Rate IRA
0.40%	$0	-	60 Month Fixed Rate IRA

Locations

Availability

Seattle Area

Seattle Area bank & credit union details

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