Bank · FDIC insured
Heritage Bank Savings Rates
Heritage Bank’s best savings rate is 0.10% APY on $10,000, with its Heritage Savings. Rates checked October 16, 2026.
How Heritage Bank’s savings 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
0.10%APY
- Earns on $10,000 a year
- $10
Heritage Savings
Top rate
Communication Federal Credit Union
3.75%APY
- Earns on $10,000 a year
- $375
2nd-highest rate
UMB Bank
3.71%APY
- Earns on $10,000 a year
- $371
Heritage Bank savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Heritage Savings
0.10%APY
$5.00 monthly service charge waived with $100 minimum daily balance or $200 average balance; also waived for customers under age 18 and those age 55+.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePersonal account tier. $5.00 monthly service charge waived with $100 minimum daily balance or $200 average balance, or for customers under age 18 or 55+.Any balance | 0.10% | $10 | Personal account tier. $5.00 monthly service charge waived with $100 minimum daily balance or $200 average balance, or for customers under age 18 or 55+. |
Sources (2)
- heritagebankonline.com/personal/personal-accounts
- heritagebankonline.com/personal/deposit-account-rates
All captured Sep 18, 2026
Special-purpose accounts
Heritage Health Savings
0.10%APY
Designed for individuals with a high-deductible health plan (HDHP). Interest bearing, paid monthly on daily ledger balances when greater than $500.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,500Interest bearing, paid monthly on daily ledger balances when greater than $500. | 0.10% | — | Interest bearing, paid monthly on daily ledger balances when greater than $500. |
| $1,500 – $5,000Interest bearing, paid monthly on daily ledger balances when greater than $500. | 0.10% | — | Interest bearing, paid monthly on daily ledger balances when greater than $500. |
| $5,000 and upInterest bearing, paid monthly on daily ledger balances when greater than $500. | 0.10% | $10 | Interest bearing, paid monthly on daily ledger balances when greater than $500. |
Sources (2)
- heritagebankonline.com/personal/health-savings-accounts
- heritagebankonline.com/personal/deposit-account-rates
All 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.