Bank · FDIC insured
Heritage Bank NA CD Rates
A $361.1M bank headquartered in Spicer, MN, with 5 branches in 2 states.
How Heritage Bank NA’s CD rates compare
Compared with banks and credit unions near Willmar, MN, where Heritage Bank NA has the most branches. $10,000, best rate first.
This bank’s best
Heritage Bank NA
3.75%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000
- $375
Triple Option CD
Top rate
Magnifi Financial
4.50%APY
- Term
- 30 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,163
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
Triple Option CD
Up to 3.75%APY · 6 terms
Rates also apply to IRAs. Standard early withdrawal penalty applies (excluding medical withdrawals). Features anytime unlimited rate bump up, penalty-free medical withdrawals ($1,000 minimum), and anytime additional deposits ($1,000 minimum up to 100% of original balance each term). Automatically renews after maturity at a 12-month term with that term's rate. 10-day grace period after maturity.
| Term | APY · $2,000 and up | APY · $25,000 and up | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.00% | 3.00% | 3.00% | 3.00%3.00% from $25k3.00% from $75k | $149 |
| 12 months | 3.75% | 3.75% | 3.75% | 3.75%3.75% from $25k3.75% from $75k | $375 |
| 24 months | 1.05% | 2.05% | 2.80% | 1.05%2.05% from $25k2.80% from $75k | $211 |
| 36 months | 1.10% | 2.10% | 2.85% | 1.10%2.10% from $25k2.85% from $75k | $334 |
| 48 months | 1.15% | 2.15% | 2.90% | 1.15%2.15% from $25k2.90% from $75k | $468 |
| 60 months | 1.20% | 2.20% | 2.95% | 1.20%2.20% from $25k2.95% from $75k | $615 |
Triple Option IRA CD
Up to 3.75%APY · 6 terms
Rates apply to IRAs. Standard early withdrawal penalty applies (excluding medical withdrawals). Features anytime unlimited rate bump up, penalty-free medical withdrawals ($1,000 minimum), and anytime additional deposits ($1,000 minimum up to 100% of original balance each term). Automatically renews after maturity at a 12-month term with that term's rate. 10-day grace period after maturity.
| Term | APY · $2,000 and up | APY · $25,000 and up | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 3.00% | 3.00% | 3.00% | 3.00%3.00% from $25k3.00% from $75k | $149 |
| 12 months | 3.75% | 3.75% | 3.75% | 3.75%3.75% from $25k3.75% from $75k | $375 |
| 24 months | 1.05% | 2.05% | 2.80% | 1.05%2.05% from $25k2.80% from $75k | $211 |
| 36 months | 1.10% | 2.10% | 2.85% | 1.10%2.10% from $25k2.85% from $75k | $334 |
| 48 months | 1.15% | 2.15% | 2.90% | 1.15%2.15% from $25k2.90% from $75k | $468 |
| 60 months | 1.20% | 2.20% | 2.95% | 1.20%2.20% from $25k2.95% from $75k | $615 |
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.