Bank · FDIC insured
American Heritage National Bank
A $604.7M bank headquartered in Long Prairie, MN, with 7 branches in Minnesota. Best rates: savings 0.00% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings600.00%at $1,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About American Heritage National Bank
Operating since 1881, American Heritage Bank is a family-owned and operated community bank with six locations, including offices in St. Cloud, Clearwater, Avon, Long Prairie, and Browerville, Minnesota.
The bank supports local Minnesota communities and the economic success of main street businesses.
- Headquarters
- 24 2nd St S, Long Prairie, MN 56347
- FDIC certificate
- 8843 ↗
Branches
7 branches in Minnesota
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Minnesota
7 branches
St. Cloud area · 3
- Avon Br104 Avon Ave N, Avon, MN 56310Directions
- American Heritage Nb Branch525 Highway 10 S, St. Cloud, MN 56304Directions
- St. Cloud Branch2915 2nd St S, St. Cloud, MN 56301Directions
Minneapolis area · 2
- Clearwater Branch800 Nelson Dr, Clearwater, MN 55320Directions
- Minnetonka Branch #71000 Twelve Oaks Center Drive, Minnetonka, MN 55391Directions
Long Prairie area · 1
- American Heritage National BankMain office24 2nd St S, Long Prairie, MN 56347Directions
Browerville area · 1
- Browerville Branch502 Main St S, Browerville, MN 56438Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.89% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.36% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $84 | $81 | — |
- CapitalLeverage ratio11.89%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.36%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$84Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of American Heritage National Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.