Bank · FDIC insured
Heritage Bank Savings Rates
Heritage Bank’s best savings rate is 0.05% APY on $10,000, with its Cascade Money Market. Rates checked October 22, 2026.
How Heritage Bank’s savings 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
0.05%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $5
Cascade Money Market
Top rate
Peak Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
Heritage Bank savings score
62
Savings score
Higher than 6% of U.S. banks and credit unions
- $1,000 balance$1,0000.04%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.23%
- QualifiedQualified0.05%
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.
Cascade Money Market
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.03% | — |
| $5,000 – $10,000 | 0.03% | — |
| $10,000 – $25,000 | 0.05% | $5 |
| $25,000 – $50,000 | 0.08% | — |
| $50,000 – $75,000 | 0.10% | — |
| $75,000 – $100,000 | 0.15% | — |
| $100,000 – $500,000 | 0.23% | — |
| $500,000 and up | 0.30% | — |
Sources (1)
- heritagebanknw.com/home/personal-banking/interest-rates · captured Sep 15, 2026
Peak Savings
0.04%APY
Maintain a $2,500 minimum daily balance in the account to avoid the $10 monthly maintenance fee. Interest is compounded daily and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Maintain a $2,500 minimum daily balance to avoid the monthly maintenance fee. | 0.04% | — | Maintain a $2,500 minimum daily balance to avoid the monthly maintenance fee. |
| $5,000 – $10,000Maintain a $2,500 minimum daily balance to avoid the monthly maintenance fee. | 0.04% | — | Maintain a $2,500 minimum daily balance to avoid the monthly maintenance fee. |
| $10,000 – $25,000Maintain a $2,500 minimum daily balance to avoid the monthly maintenance fee. | 0.04% | $4 | Maintain a $2,500 minimum daily balance to avoid the monthly maintenance fee. |
| $25,000 – $50,000Maintain a $2,500 minimum daily balance to avoid the monthly maintenance fee. | 0.04% | — | Maintain a $2,500 minimum daily balance to avoid the monthly maintenance fee. |
| $50,000 – $75,000Maintain a $2,500 minimum daily balance to avoid the monthly maintenance fee. | 0.06% | — | Maintain a $2,500 minimum daily balance to avoid the monthly maintenance fee. |
| $75,000 – $100,000Maintain a $2,500 minimum daily balance to avoid the monthly maintenance fee. | 0.06% | — | Maintain a $2,500 minimum daily balance to avoid the monthly maintenance fee. |
| $100,000 – $500,000Maintain a $2,500 minimum daily balance to avoid the monthly maintenance fee. | 0.10% | — | Maintain a $2,500 minimum daily balance to avoid the monthly maintenance fee. |
| $500,000 and upMaintain a $2,500 minimum daily balance to avoid the monthly maintenance fee. | 0.15% | — | Maintain a $2,500 minimum daily balance to avoid the monthly maintenance fee. |
Sources (2)
- heritagebanknw.com/home/personal-banking/interest-rates
- heritagebanknw.com/home/person…king/savings-cd-accounts
All captured Sep 15, 2026
Alpine Savings
0.04%APY
Maintain a $300 minimum daily balance in the account to avoid the $3 monthly maintenance fee. Interest is compounded daily and paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMaintain a $300 minimum daily balance to avoid the monthly maintenance fee. Applies to all balances.Any balance | 0.04% | $4 | Maintain a $300 minimum daily balance to avoid the monthly maintenance fee. Applies to all balances. |
Sources (2)
- heritagebanknw.com/home/personal-banking/interest-rates
- heritagebanknw.com/home/person…king/savings-cd-accounts
All captured Sep 15, 2026
Special-purpose accounts
Health Savings Account
1.00%APY
Available to individuals who participate in a qualified High Deductible Health Plan (HDHP). Held individually.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.05% | — |
| $1,000 – $2,500 | 0.05% | — |
| $2,500 – $5,000 | 0.05% | — |
| $5,000 – $10,000 | 0.08% | — |
| $10,000 and up | 1.00% | $100 |
Sources (2)
All captured Sep 15, 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.