Bank · FDIC insured
Heritage Bank CD Rates
Heritage Bank’s best CD rate is 3.75% APY on a 9-month CD. Terms run from 1 month to 5 years. Rates checked October 22, 2026.
How Heritage Bank’s CD rates compare
Compared with banks and credit unions near Grand Island, NE, where Heritage Bank has the most branches. $10,000, best rate first.
This bank’s best
Heritage Bank
3.75%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $280
Personal CDs
Top rate
Union Bank & Trust
4.40%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $899
2nd-highest rate
Cornerstone Bank
4.35%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $547
Heritage Bank CD score
67
CD score
Higher than 18% of U.S. banks and credit unions
- 3–8 months3–8 mo1.00%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo1.50%
- 31–60 months31–60 mo1.50%
- QualifiedQualified3.75%
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 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.
Special-purpose accounts
IRA CDs
Up to 3.75%APY · 10 terms
Can be invested in Traditional IRAs, Roth IRAs, SEP IRAs, or Coverdell Education Savings Accounts. Minimum deposit to open is $1,000 for adults; $500 for minors. All CDs reflect quarterly compounding except 1 Month CD. Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthMinimum opening deposit is $1,000 for adults; $500 for minors. $0 minimum balance to earn APY | 0.25% | $2 |
| 3 monthsReflects quarterly compounding. Minimum opening deposit is $1,000 for adults; $500 for minors. $0 minimum balance to earn APY | 0.75% | $19 |
| 6 monthsReflects quarterly compounding. Minimum opening deposit is $1,000 for adults; $500 for minors. $0 minimum balance to earn APY | 1.00% | $50 |
| 9 monthsSpecial CD. Reflects quarterly compounding. Minimum opening deposit is $1,000 for adults; $500 for minors. $0 minimum balance to earn APY | 3.75% | $280 |
| 12 monthsReflects quarterly compounding. Minimum opening deposit is $1,000 for adults; $500 for minors. $0 minimum balance to earn APY | 1.50% | $150 |
| 18 monthsStep Up CD (you may step up the rate once each term). Reflects quarterly compounding. Minimum opening deposit is $1,000 for adults; $500 for minors. $0 minimum balance to earn APY | 1.50% | $226 |
| 24 monthsReflects quarterly compounding. Minimum opening deposit is $1,000 for adults; $500 for minors. $0 minimum balance to earn APY | 1.50% | $302 |
| 36 monthsReflects quarterly compounding. Minimum opening deposit is $1,000 for adults; $500 for minors. $0 minimum balance to earn APY | 1.50% | $457 |
| 48 monthsReflects quarterly compounding. Minimum opening deposit is $1,000 for adults; $500 for minors. $0 minimum balance to earn APY | 1.50% | $614 |
| 60 monthsReflects quarterly compounding. Minimum opening deposit is $1,000 for adults; $500 for minors. $0 minimum balance to earn APY | 1.50% | $773 |
Sources (2)
- bankonheritage.com/personal-se…/certificates-of-deposit
- bankonheritage.com/personal-se…dual-retirement-accounts
All captured Sep 18, 2026
Personal CDs
Up to 3.75%APY · 10 terms
Minimum deposit to open is $1,000 for adults; $500 for minors. All CDs reflect quarterly compounding except 1 Month CD. Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthMinimum opening deposit is $1,000 for adults; $500 for minors. $0 minimum balance to earn APY | 0.25% | $2 |
| 3 monthsReflects quarterly compounding. Minimum opening deposit is $1,000 for adults; $500 for minors. $0 minimum balance to earn APY | 0.75% | $19 |
| 6 monthsReflects quarterly compounding. Minimum opening deposit is $1,000 for adults; $500 for minors. $0 minimum balance to earn APY | 1.00% | $50 |
| 9 monthsSpecial CD. Reflects quarterly compounding. Minimum opening deposit is $1,000 for adults; $500 for minors. $0 minimum balance to earn APY | 3.75% | $280 |
| 12 monthsReflects quarterly compounding. Minimum opening deposit is $1,000 for adults; $500 for minors. $0 minimum balance to earn APY | 1.50% | $150 |
| 18 monthsStep Up CD (you may step up the rate once each term). Reflects quarterly compounding. Minimum opening deposit is $1,000 for adults; $500 for minors. $0 minimum balance to earn APY | 1.50% | $226 |
| 24 monthsReflects quarterly compounding. Minimum opening deposit is $1,000 for adults; $500 for minors. $0 minimum balance to earn APY | 1.50% | $302 |
| 36 monthsReflects quarterly compounding. Minimum opening deposit is $1,000 for adults; $500 for minors. $0 minimum balance to earn APY | 1.50% | $457 |
| 48 monthsReflects quarterly compounding. Minimum opening deposit is $1,000 for adults; $500 for minors. $0 minimum balance to earn APY | 1.50% | $614 |
| 60 monthsReflects quarterly compounding. Minimum opening deposit is $1,000 for adults; $500 for minors. $0 minimum balance to earn APY | 1.50% | $773 |
Sources (1)
- bankonheritage.com/personal-se…/certificates-of-deposit · 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.