Bank · FDIC insured
Heritage Bank Savings Rates
Heritage Bank’s best savings rate is 0.15% APY on $10,000, with its MONEY MARKET SAVINGS. Rates checked October 16, 2026.
How Heritage Bank’s savings 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
0.15%APY
- Minimum
- —
- Earns on $10,000 a year
- $15
MONEY MARKET SAVINGS
Top rate
Altra Federal Credit Union
3.75%APY
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
Luminate Bank
3.50%APY
- Minimum
- —
- Earns on $10,000 a year
- $350
Heritage Bank savings score
67
Savings score
Higher than 18% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.15%
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.
MONEY MARKET SAVINGS
0.15%APY
Interest earned on a daily ledger balance. The interest rate and Annual Percentage Yield may change after account opening. Fees could reduce the earnings on the account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Tier 1. Interest earned on a daily ledger balance. Interest rate and APY may change after account opening. | 0.10% | — | Tier 1. Interest earned on a daily ledger balance. Interest rate and APY may change after account opening. |
| $2,500 – $10,000Tier 2. Interest earned on a daily ledger balance. Interest rate and APY may change after account opening. | 0.12% | — | Tier 2. Interest earned on a daily ledger balance. Interest rate and APY may change after account opening. |
| $10,000 – $25,000Tier 3. Interest earned on a daily ledger balance. Interest rate and APY may change after account opening. | 0.15% | $15 | Tier 3. Interest earned on a daily ledger balance. Interest rate and APY may change after account opening. |
| $25,000 – $100,000Tier 4. Interest earned on a daily ledger balance. Interest rate and APY may change after account opening. | 0.20% | — | Tier 4. Interest earned on a daily ledger balance. Interest rate and APY may change after account opening. |
| $100,000 and upTier 5. Interest earned on a daily ledger balance. Interest rate and APY may change after account opening. | 0.20% | — | Tier 5. Interest earned on a daily ledger balance. Interest rate and APY may change after account opening. |
Sources (1)
- heritagebankmn.com/checking-savings-interest-rates · captured Sep 18, 2026
Passbook Savings
0.10%APY
Monthly service charge is $2, waived with a minimum daily balance of $100. Transfers to another account or third parties by preauthorized, automatic, computer, or telephone transfer are limited to 6 per month. Unlimited in-person, messenger, mail, or ATM transfers/withdrawals. Interest rate and APY may change after account opening. Fees could reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upInterest earned on a daily ledger balance. $2 monthly fee waived by maintaining a minimum daily balance of $100.$100 and up | 0.10% | $10 | Interest earned on a daily ledger balance. $2 monthly fee waived by maintaining a minimum daily balance of $100. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Youth Savings
0.10%APY
For individuals 18 years old and under. No monthly fee. Transfers to another account or third parties by preauthorized, automatic, computer, or telephone transfer are limited to 6 per month. Unlimited in-person, messenger, mail, or ATM transfers/withdrawals. Interest rate and APY may change after account opening. Fees could reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest earned on a daily ledger balance. No minimum balance required.Any balance | 0.10% | $10 | Interest earned on a daily ledger balance. No minimum balance required. |
Sources (2)
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.