Bank · FDIC insured
Heritage Bank CD Rates
Heritage Bank’s best CD rate is 3.60% APY on a 9-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Heritage Bank’s CD rates compare
Compared with banks and credit unions near Seattle, WA, where Heritage Bank has the most branches. $10,000, best rate first.
This bank’s best
Heritage Bank
3.60%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $269
Anniversary CD
Top rate
Ironworkers USA Credit Union
4.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
Heritage Bank CD score
70
CD score
Higher than 26% of U.S. banks and credit unions
- 3–8 months3–8 mo3.40%
- 9–15 months9–15 mo3.60%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo0.40%
- QualifiedQualified3.60%
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.
Anniversary CD
3.60%APY · 1 term
Matures into a 12-month term. Interest is fixed for disclosed term, compounded daily, and credited monthly or quarterly. Early withdrawal penalty may be imposed.
| Term | APY · Up to $25,000 | APY · $25,000 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 9 monthsMust maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY | 3.60% | 3.60% | 3.60% | 3.60%3.60% $25k–$50k3.60% from $50k | $269 |
Sources (1)
- heritagebanknw.com/home/personal-banking/interest-rates · captured Sep 15, 2026
Flex-Term CDs
Up to 3.40%APY · 3 terms
Additions allowed up to the original opening balance in minimum amounts of $500. Interest is fixed for disclosed term, compounded daily, and credited monthly or quarterly. Early withdrawal penalty may be imposed.
| Term | APY · Up to $25,000 | APY · $25,000 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3–5 monthsMust maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY | 3.40% | 3.40% | 3.40% | 3.40%3.40% $25k–$50k3.40% from $50k | $84 |
| 6–8 monthsMust maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY | 0.25% | 0.30% | 0.30% | 0.25%0.30% $25k–$50k0.30% from $50k | $12 |
| 9–11 monthsMust maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY | 0.30% | 0.40% | 0.40% | 0.30%0.40% $25k–$50k0.40% from $50k | $22 |
Sources (1)
- heritagebanknw.com/home/personal-banking/interest-rates · captured Sep 15, 2026
Celebration CD
3.30%APY · 1 term
Matures into a 12-month term. Interest is fixed for disclosed term, compounded daily, and credited monthly or quarterly. Early withdrawal penalty may be imposed.
| Term | APY · Up to $25,000 | APY · $25,000 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 13 monthsMust maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY | 3.30% | 3.30% | 3.30% | 3.30%3.30% $25k–$50k3.30% from $50k | $358 |
Sources (1)
- heritagebanknw.com/home/personal-banking/interest-rates · captured Sep 15, 2026
Fixed Rate CDs
Up to 2.50%APY · 7 terms
Interest is fixed for the disclosed term, compounded daily, and credited monthly or quarterly. Early withdrawal penalty may be imposed.
| Term | APY · Up to $25,000 | APY · $25,000 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12–17 monthsMust maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY | 2.50% | 2.50% | 2.50% | 2.50%2.50% $25k–$50k2.50% from $50k | $250 |
| 18 monthsMust maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY | 2.50% | 2.50% | 2.50% | 2.50%2.50% $25k–$50k2.50% from $50k | $377 |
| 19–24 monthsMust maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY | 0.40% | 0.40% | 0.40% | 0.40%0.40% $25k–$50k0.40% from $50k | $63 |
| 30 monthsMust maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY | 0.40% | 0.40% | 0.40% | 0.40%0.40% $25k–$50k0.40% from $50k | $100 |
| 36 monthsMust maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY | 0.40% | 0.40% | 0.40% | 0.40%0.40% $25k–$50k0.40% from $50k | $120 |
| 48 monthsMust maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY | 0.40% | 0.40% | 0.40% | 0.40%0.40% $25k–$50k0.40% from $50k | $161 |
| 60 monthsMust maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY | 0.40% | 0.40% | 0.40% | 0.40%0.40% $25k–$50k0.40% from $50k | $202 |
Sources (1)
- heritagebanknw.com/home/personal-banking/interest-rates · captured Sep 15, 2026
Special-purpose accounts
Fixed Rate IRA CDs
Up to 2.50%APY · 7 terms
Interest is fixed for the disclosed term, compounded daily, and credited monthly or quarterly. Early withdrawal penalty may be imposed.
| Term | APY · Up to $25,000 | APY · $25,000 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12–17 monthsMust maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY | 2.50% | 2.50% | 2.50% | 2.50%2.50% $25k–$50k2.50% from $50k | $250 |
| 18 monthsMust maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY | 2.50% | 2.50% | 2.50% | 2.50%2.50% $25k–$50k2.50% from $50k | $377 |
| 19–24 monthsMust maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY | 0.40% | 0.40% | 0.40% | 0.40%0.40% $25k–$50k0.40% from $50k | $63 |
| 30 monthsMust maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY | 0.40% | 0.40% | 0.40% | 0.40%0.40% $25k–$50k0.40% from $50k | $100 |
| 36 monthsMust maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY | 0.40% | 0.40% | 0.40% | 0.40%0.40% $25k–$50k0.40% from $50k | $120 |
| 48 monthsMust maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY | 0.40% | 0.40% | 0.40% | 0.40%0.40% $25k–$50k0.40% from $50k | $161 |
| 60 monthsMust maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY | 0.40% | 0.40% | 0.40% | 0.40%0.40% $25k–$50k0.40% from $50k | $202 |
Sources (1)
- heritagebanknw.com/home/personal-banking/interest-rates · captured Sep 15, 2026
Opening an account
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