Our Rate Offerings:
Personal Checking Accounts – Competitive tiered rates
Savings & Money Market Accounts – Great returns with easy access
Certificates of Deposit (CDs) – Flexible terms and fixed earnings
Checking & Savings Account Rates
| Account | Tier | Interest Rate | Annual Percentage Yield |
|---|---|---|---|
Account Brilliant | Tier $0.01 to $29,999.99 $30.000.00 and Over | Interest Rate 0.10% 0.10% | Annual Percentage Yield 0.10% 0.10% |
Account Heritage Checking | Tier One Tier | Interest Rate 0.10% | Annual Percentage Yield 0.10% |
Account Heritage Health Savings | Tier $0.01 to $1,499.99 $1,500.00 to $4,999.99 $5,000 and Over | Interest Rate 0.10% 0.10% 0.10% | Annual Percentage Yield 0.10% 0.10% 0.10% |
Account Money Market (Business & Personal) | Tier $0.01 to $24,999.99 $25,000.00 to $49,999.99 $50,000.00 to $99.999.99 $100,000.00 and Over | Interest Rate 0.25% 0.35% 0.45% 0.50% | Annual Percentage Yield 0.25% 0.35% 0.45% 0.50% |
Account Heritage Savings | Tier Personal Business | Interest Rate 0.10% 0.10% | Annual Percentage Yield 0.10% 0.10% |
- Rates are effective as of 01/02/2026
- Rates may change after the account is opened
- Fees may reduce earnings
- Heritage Checking, Brilliant & Senior Accounts - Interest bearing, paid monthly on daily ledger balances when greater than $1,000
- Heritage Health Savings Account - Interest bearing, paid monthly on daily ledger balances when greater than $500
Certificate of Deposit Rates (Includes IRAs)
| Term | Interest Rate | Annual Percentage Yield |
|---|---|---|
Term 91 Days | Interest Rate 1.00% | Annual Percentage Yield 1.00% |
Term 182 Days | Interest Rate 1.25% | Annual Percentage Yield 1.26% |
Term 1 Year | Interest Rate 2.50% | Annual Percentage Yield 2.52% |
Term 18 Months | Interest Rate 2.75% | Annual Percentage Yield 2.78% |
Term 2 Years | Interest Rate 2.50% | Annual Percentage Yield 2.52% |
Term 30 Months | Interest Rate 2.50% | Annual Percentage Yield 2.52% |
Term 3 Years | Interest Rate 2.25% | Annual Percentage Yield 2.27% |
Term 4 Years | Interest Rate 2.25% | Annual Percentage Yield 2.27% |
Term 5 Years | Interest Rate 2.25% | Annual Percentage Yield 2.27% |
- Rates are effective as of 01/02/2026
- Minimum Deposit - $1,000
- Posted rates are subject to change at any time without prior notice
- Early withdrawal may be subject to penalty
Once Certificate of Deposit is purchased the rate is set through maturity.
Bank Local. Earn More.
When you save with Heritage Bank, your deposits help fund loans for Topeka families and small businesses — keeping your money at work in your community.
