# Heritage Bank Certificate of Deposit: 3.00% APY

Canonical: https://dealaka.com/offers/heritage-bank-certificate-of-deposit-rate

- Status: Limited reports
- Bonus: 3.00% APY
- APY: 3.00% (3-month term)
- Requirement: $2,000 minimum, 3-month term
- Expires: no published end date
- Availability: Nationwide
- Institution: Heritage Bank
- Verified: Aug 20, 2026 against ourheritage.bank
- Field reports: 0

## Summary
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.

## Requirements
1. Apply through the offer page to open the Certificate of Deposit.
2. Complete the requirement: $2,000 minimum, 3-month term.

## Fine print that matters
- Early withdrawal penalty: 45 days interest
- Public funds ineligible for promotional CD rates
- Member FDIC

## Sources
- ourheritage.bank rate page <https://www.ourheritage.bank/cd-specials> (checked Aug 20, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._