Bank · FDIC insured
Heritage Bank CD Rates
Heritage Bank’s best CD rate is 4.16% APY on a 3-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 Rochester, MN, where Heritage Bank has the most branches. $10,000, best rate first.
This bank’s best
Heritage Bank
4.16%APY
- Term
- 3 months
- Minimum
- $250
- Earns on $10,000
- $102
Fixed CD
Top rate
Altra Federal Credit Union
4.75%APY
- Term
- 30 months
- Minimum
- $1,000
- Earns on $10,000
- $1,230
2nd-highest rate
Blaze Credit Union
4.60%APY
- Term
- 72 months
- Minimum
- $10,000
- Earns on $10,000
- $3,098
Heritage Bank CD score
88
CD score
Higher than 82% of U.S. banks and credit unions
- 3–8 months3–8 mo4.16%
- 9–15 months9–15 mo3.96%
- 16–30 months16–30 mo3.85%
- 31–60 months31–60 mo3.29%
- QualifiedQualified4.16%
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.
Fixed CD
Up to 4.16%APY · 9 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty: 91 days interest (Minimum $25) | 4.16% | $102 |
| 6 monthsEarly withdrawal penalty: 181 days interest (Minimum $25) | 4.16% | $206 |
| 12 monthsEarly withdrawal penalty: 181 days interest (Minimum $25) | 3.96% | $396 |
| 18 monthsEarly withdrawal penalty: 365 days interest (Minimum $25) | 3.85% | $583 |
| 24 monthsEarly withdrawal penalty: 365 days interest (Minimum $25) | 3.80% | $774 |
| 30 monthsEarly withdrawal penalty: 365 days interest (Minimum $25) | 3.55% | $911 |
| 36 monthsEarly withdrawal penalty: 365 days interest (Minimum $25) | 3.29% | $1,020 |
| 48 monthsEarly withdrawal penalty: 365 days interest (Minimum $25) | 3.03% | $1,268 |
| 60 monthsEarly withdrawal penalty: 365 days interest (Minimum $25) | 2.78% | $1,469 |
Sources (1)
- heritagebankmn.com/personal/cds-iras · captured Sep 18, 2026
Special-purpose accounts
Variable IRA
0.25%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarly withdrawal penalty: No Penalties (Minimum $25)Any balance | 0.25% | $25 | Early withdrawal penalty: No Penalties (Minimum $25) |
Sources (1)
- heritagebankmn.com/certificates-of-deposit-and-iras · 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.