Bank · FDIC insured
Heritage Bank Savings Rates
Heritage Bank’s best savings rate is 0.75% APY on $10,000, with its Heritage Money Market Accounts. Rates checked October 22, 2026.
How Heritage Bank’s savings 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
0.75%APY
- Minimum
- —
- Earns on $10,000 a year
- $75
Heritage Money Market Accounts
Top rate
General Electric Credit Union
4.25%APY
- Minimum
- $0
- Earns on $10,000 a year
- $425
2nd-highest rate
CFBank
4.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $425
Heritage Bank savings score
83
Savings score
Higher than 63% of U.S. banks and credit unions
- $1,000 balance$1,0000.55%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0001.77%
- QualifiedQualified0.75%
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 Money Market Accounts
0.75%APY
Interest rates are subject to change and tiered according to balance. Interest compounded daily and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.55% | — |
| $10,000 – $25,000 | 0.75% | $75 |
| $25,000 – $100,000 | 1.01% | — |
| $100,000 – $250,000 | 1.77% | — |
| $250,000 – $500,000 | 2.02% | — |
| $500,000 and up | 2.53% | — |
Statement Savings
0.10%APY
Interest compounded daily and credited quarterly on the last business day of the quarter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upNo interest is paid on balances less than $100.00.$100 and up | 0.10% | $10 | No interest is paid on balances less than $100.00. |
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
IRA Savings Account
0.10%APY
Available in Traditional, Roth, SEP, and Coverdell IRA structures.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.10% | $10 |
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.