Bank · FDIC insured
Heritage Community Bank CD Rates
Heritage Community Bank’s best CD rate is 4.25% APY on a 2-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Heritage Community Bank’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Heritage Community Bank has the most branches. $10,000, best rate first.
This bank’s best
Heritage Community Bank
4.25%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $868
Certificate of Deposit
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Paramount Bank
5.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $457
Heritage Community Bank CD score
94
CD score
Higher than 96% of U.S. banks and credit unions
- 3–8 months3–8 mo4.10%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.25%
- QualifiedQualified4.25%
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 Community 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.
Certificate of Deposit
Up to 4.25%APY · 10 terms
Automatically renewable with a 10 day grace period. Interest can be compounded, paid by check or transferred to a checking or savings account. Early withdrawal penalties apply. $1000.00 minimum deposit to open account. Interest is compounded daily.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalties apply | 0.30% | $7 |
| 6 monthsEarly withdrawal penalties apply | 0.35% | $17 |
| 9 monthsEarly withdrawal penalties apply | 0.50% | $37 |
| 12 monthsEarly withdrawal penalties apply | 0.60% | $60 |
| 18 monthsEarly withdrawal penalties apply | 0.75% | $113 |
| 24 monthsEarly withdrawal penalties apply | 4.25% | $868 |
| 30 monthsEarly withdrawal penalties apply | 1.10% | $277 |
| 36 monthsEarly withdrawal penalties apply | 1.20% | $364 |
| 48 monthsEarly withdrawal penalties apply | 4.25% | $1,811 |
| 60 monthsEarly withdrawal penalties apply | 1.40% | $720 |
CD Specials
Up to 4.15%APY · 2 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 months | 4.10% | $237 |
| 11 months | 4.15% | $380 |
Special-purpose accounts
IRA CD
0.50%APY
Offered under Traditional and Roth IRAs. No Monthly Service Charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to all types of Individual Retirement Accounts.Any balance | 0.50% | $50 | Applies to all types of Individual Retirement Accounts. |
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.