Heritage Bank


At Heritage Bank, we’re not all “About Us.” We’re about you… our customers, our communities and our employees.

Heritage Bank's mission is to help people succeed financially. Specifically, that means:
  • Helping our customers meet their goals and achieve their dreams
  • Supporting our communities and helping them thrive
  • Providing a gainful and enjoyable workplace for our employees
  • Providing a sound and profitable return for our investors
Our products have evolved along with the communities we serve. With $448 million in assets and 12 offices in throughout Minnesota and Iowa, we have grown steadily over the generations. Yet, our mission as a traditional, community-focused bank remains the same… it’s our heritage.

HSA Program Features

FDIC or NCUA Insured:
Min Balance to Open:
$50, waived if regular ACH deposits established at account opening
  • Debit Card
  • Online Banking

HSA Interest Rates

Interest rates for various balance tiers
$0.01 - $999.99 0.01% APY
$1,000.00 - $2,499.99 0.03% APY
$2,500.00 - $4,999.99 0.05% APY
$5,000.00 - $9,999.99 0.09% APY
$10,000.00+ 0.14% APY
Last checked on: 01-09-2023. Rates may not be current, please check the provider's website for the latest rates.


Monthly Maintenance Fee $0.00
Account Opening Fee $30.00*
Account Closing Fee $30.00**

* If done online, otherwise it is $50
** If account is closed within 6 months of opening

HSA Investment Options

Mutual Fund Platform: close   Self-Directed Brokerage: close   CDs: close   Other: close

Contact Information

General Information

Address 310 1st Street SW
Willmar, MN 56201

Customer Service

Mailing Address Heritage Bank
P. O. Box 1124
Willmar, MN 56201
Phone Number 800-344-7048