Bank · FDIC insured
Heritage Bank NA Savings Rates
Heritage Bank NA’s best savings rate is 0.51% APY on $10,000, with its Jumbo Deposit Account. Rates checked October 16, 2026.
How Heritage Bank NA’s savings 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
0.51%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $51
Jumbo Deposit Account
Top rate
United Prairie Bank
3.40%APY
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000 a year
- $340
2nd-highest rate
Co-op Credit Union
2.75%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $275
Heritage Bank NA savings score
81
Savings score
Higher than 55% of U.S. banks and credit unions
- $1,000 balance$1,0000.51%
- $10,000 balance$10,0000.51%
- $100,000 balance$100,0001.53%
- QualifiedQualified0.51%
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 NA 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.
Jumbo Deposit Account
0.51%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Interest compounds monthly. ICS feature may be used to sweep balances to other banks. | 0.51% | $51 | Interest compounds monthly. ICS feature may be used to sweep balances to other banks. |
| $100,000 – $230,000Interest compounds monthly. ICS feature may be used to sweep balances to other banks. | 1.53% | — | Interest compounds monthly. ICS feature may be used to sweep balances to other banks. |
| $230,000 and upInterest compounds monthly. ICS feature may be used to sweep balances to other banks. | 2.77% | — | Interest compounds monthly. ICS feature may be used to sweep balances to other banks. |
Sources (2)
- heritagebankna.com/financial-e…n/current-interest-rates
- heritagebankna.com/personal-ba…ng/savings/jumbo-deposit
All captured Oct 5, 2026
Heritage Direct Savings Account
0.14%APY
All-electronic personal account for Digital Banking customers. Compounded monthly based on daily available balance. Requires linked US checking account. $1,000 minimum balance required to earn APY. $17 monthly fee if daily collected/ledger balance falls below $1,000. 6 free withdrawals per month, then $3 each. eStatements required (fee of $4/month if enrolled in paper statements).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upMust maintain daily collected/available balance of $1,000. $17 monthly fee if daily balance falls below $1,000. $4 monthly fee if paper statements sent.$1,000 and up | 0.14% | $14 | Must maintain daily collected/available balance of $1,000. $17 monthly fee if daily balance falls below $1,000. $4 monthly fee if paper statements sent. |
Special-purpose accounts
Health Savings Account (HSA)
2.02%APY
Designed for use with a High Deductible Health Plan. Variable interest rate compounded monthly. $50 opening deposit is waived if regular ACH deposits are established. Free eStatements ($4/month if paper statements are mailed). $30 setup fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000$50 minimum opening deposit waived if regular ACH deposits established. Free eStatements or $4/month if paper statements mailed. | 0.51% | — | $50 minimum opening deposit waived if regular ACH deposits established. Free eStatements or $4/month if paper statements mailed. |
| $5,000 and up$50 minimum opening deposit waived if regular ACH deposits established. Free eStatements or $4/month if paper statements mailed. | 2.02% | $202 | $50 minimum opening deposit waived if regular ACH deposits established. Free eStatements or $4/month if paper statements mailed. |
Universal Savings Account
0.05%APY
Basic savings account. Interest compounds quarterly. $5 monthly service charge if average daily available balance falls below $50 (fee waived for minors under age 18). 6 free withdrawals per month, then $3 each. Free eStatements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Interest paid on balances of $0.01 or more. $5 monthly fee if average daily balance falls below $50 (waived for minors under 18).Over $0 | 0.05% | $5 | Interest paid on balances of $0.01 or more. $5 monthly fee if average daily balance falls below $50 (waived for minors under 18). |
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.