Bank · FDIC insured
Heritage Bank CD Rates
Heritage Bank’s best CD rate is 2.78% APY on an 18-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Heritage Bank’s CD rates compare
Compared with banks and credit unions near Topeka, KS, where Heritage Bank has the most branches. $10,000, best rate first.
This bank’s best
Heritage Bank
2.78%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $420
Certificate of Deposit
Top rate
Community National Bank
5.09%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,818
2nd-highest rate
Topeka Firemen's Credit Union
4.55%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $455
Heritage Bank CD score
65
CD score
Higher than 13% of U.S. banks and credit unions
- 3–8 months3–8 mo1.26%
- 9–15 months9–15 mo2.52%
- 16–30 months16–30 mo2.78%
- 31–60 months31–60 mo2.27%
- QualifiedQualified2.78%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Heritage Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 2.78%APY · 9 terms
Early withdrawal may be subject to penalty. Once Certificate of Deposit is purchased the rate is set through maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm: 91 Days | 1.00% | $25 |
| 6 monthsTerm: 182 Days | 1.26% | $63 |
| 12 months | 2.52% | $252 |
| 18 months | 2.78% | $420 |
| 24 months | 2.52% | $510 |
| 30 months | 2.52% | $642 |
| 36 months | 2.27% | $697 |
| 48 months | 2.27% | $939 |
| 60 months | 2.27% | $1,188 |
Sources (1)
- heritagebankonline.com/personal/deposit-account-rates · captured Sep 18, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 2.78%APY · 9 terms
Early withdrawal may be subject to penalty. Once Certificate of Deposit is purchased the rate is set through maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm: 91 Days | 1.00% | $25 |
| 6 monthsTerm: 182 Days | 1.26% | $63 |
| 12 months | 2.52% | $252 |
| 18 months | 2.78% | $420 |
| 24 months | 2.52% | $510 |
| 30 months | 2.52% | $642 |
| 36 months | 2.27% | $697 |
| 48 months | 2.27% | $939 |
| 60 months | 2.27% | $1,188 |
Sources (1)
- heritagebankonline.com/personal/deposit-account-rates · captured Sep 18, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.