Bank · FDIC insured
Heritage Bank CD Rates
Heritage Bank’s best CD rate is 4.00% APY on a 15-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Heritage Bank’s CD rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where Heritage Bank has the most branches. $10,000, best rate first.
This bank’s best
Heritage Bank
4.00%APY
- Term
- 15 months
- Minimum
- $2,000
- Earns on $10,000
- $502
CD Specials
Top rate
Peoples Exchange Bank
4.50%APY
- Term
- 13 months
- Minimum
- —
- Earns on $10,000
- $488
2nd-highest rate
Community Savings Bank
4.50%APY
- Term
- 36 months
- Minimum
- $5,000
- Earns on $10,000
- $1,412
Heritage Bank CD score
76
CD score
Higher than 42% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo1.40%
- 31–60 months31–60 mo2.53%
- QualifiedQualified4.00%
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.
CD Specials
Up to 4.00%APY · 3 terms
Public Funds ineligible for promotional CD rates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty: 45 Days. Public Funds ineligible for promotional CD rates | 3.50% | $86 |
| 11 monthsPenalty: 3 Months. Public Funds ineligible for promotional CD rates | 3.75% | $343 |
| 15 monthsPenalty: 6 Months. Public Funds ineligible for promotional CD rates | 4.00% | $502 |
Sources (3)
All captured Sep 24, 2026
Certificates of Deposit
Up to 2.53%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty: 3 Months | 1.01% | $50 |
| 12 monthsEarly withdrawal penalty: 6 months | 1.50% | $150 |
| 18 monthsEarly withdrawal penalty: 9 months | 1.30% | $196 |
| 24 monthsEarly withdrawal penalty: 12 months | 1.40% | $282 |
| 36 monthsEarly withdrawal penalty: 18 months | 2.53% | $778 |
| 48 monthsEarly withdrawal penalty: 24 months | 2.53% | $1,051 |
| 60 monthsEarly withdrawal penalty: 30 months | 2.53% | $1,331 |
Sources (3)
All captured Sep 24, 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.