Heritage Bank offers a 3.00% APY on a 3-month CD with a $2,000 minimum deposit. The early withdrawal penalty is 45 days of interest. Rates are effective as of July 14, 2026.
Eligibility
Available nationwide
No state restrictions on this offer.
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the Heritage Bank Certificate of Deposit rate
- Apply through the offer page to open the Certificate of Deposit.
- Complete the requirement: $2,000 minimum, 3-month term.
The fine print that matters
- Early withdrawal penalty: 45 days interest
- Public funds ineligible for promotional CD rates
- Member FDIC
Verification and reports
Confirmed against ourheritage.bank on Aug 20, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: ourheritage.bank rate page (checked Aug 20, 2026)
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