Heritage Bank NA: Official Site ⭐⭐⭐⭐⭐

We're proud to invest in the success of local families, businesses, and organizations

*APY = Annual Percentage Yield. Fees may reduce earnings. Interest rate is variable and may change after the checking account is opened. Interest Rate Effective Since Dec 27, 2022. eCentive Checking
2.02% APY*

Better than Ever!

For balances up to $100,000.

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Digital Banking

Enjoy a digital experience with a personal touch. Want to know more about what sets us apart from other banks?

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Welcome to Heritage Bank!

Our Mission

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 employee owners
Providing a sound and profitable return for our investors.

MORE ABOUT HERITAGE BANK

Our Values

Ethics

We adhere to high moral principles and professional standards in our actions with all relationships at work and in our personal lives.

Solution

We are actively engaged as part of the solution, always looking for continuous improvement. We uphold and balance the priorities of confidentiality, accuracy, respect, and responsiveness. (CARR)

Ownership

We don’t shy away from responsibility. We do what we say we will do and acknowledge shortcomings when mistakes are made.

Positivity

We bring positive energy and enthusiasm to every task. We remain professional and represent Heritage Bank well always.

Heritage Bank NA

310 1st Street South, Willmar

4.8 469 reviews

Pedro Zaragoza ★★★★★ a month ago
I worked with Jean Marthaler!!!!!! For at least a year and the relationship grew as the process did not. Jean is so kind and patient, she even worked with me on her vacation through spotty service. Jean will always be a part of my story … More
My first home I bought but Jeans
Efforts were above and beyond the calling from my point of view. Highly recommend working with Jean
I can never repay what this home means to me and my family. Thank you Jean for taking us out to eat.
Thank you for your words and time.
Thank you for your hugs and laughs.
Much love and respect
neb Wolfman ★★★★★ a month ago
I suppose I don't really know how to say this any other way but these people will help you. If you think you're a "millennial" or there is no way you could possibly afford a home I would call Julie immediately she will … More make it happen as long as you have your paperwork in order! they are great people to work with, they listen to your problems and remain professional it's more than just speaking to a robot or a professional that you pay to help you when you are working with heritage bank they are there for the whole thing I will be for sure be asking in the future for any other help with loan properties or buying/selling a home. Please take this review seriously these people know what they're doing they will remind you not to be stressed have faith in the process and they stay on top of everything. you too can live the American dream and become a homeowner I thought it was impossible until now. I am so happy.
Siavosh Tarighi ★★★★★ a month ago
**Exceptional Mortgage Lending Service – A Seamless Refinancing Experience**
I had the pleasure of working with **Julie** and her outstanding team during my recent mortgage refinancing, and I am thoroughly impressed by the level of service … More I received. From the very start of the process, Julie demonstrated exceptional professionalism, expertise, and commitment. Her team worked tirelessly around the clock, maintaining clear communication and providing timely updates at every stage. Their **attention to detail** and thorough approach ensured that the refinancing process was not only smooth but efficient and stress-free.
Having secured multiple mortgage loans in the past, I can confidently say that this experience stands out as the most seamless and well-executed. Julie and her team's **dedication to excellence**, coupled with their ability to navigate the complexities of the refinancing process, is truly unmatched in the industry. Their focus on client satisfaction and ensuring that all of my questions and concerns were addressed in real-time made a significant difference.
I wholeheartedly recommend Julie and her team for anyone seeking mortgage services. Their **commitment to delivering a top-tier customer experience**, alongside their strong work ethic and ability to meet deadlines, sets them apart in the lending space. Without a doubt, Julie has raised the bar, and I look forward to working with her again in the future.
Thank you again,
Si Tarighi
Zach Peterson ★★★★★ a month ago
I couldn't be happier with my experience working with Chris on my recent mortgage. From the very beginning, she was incredibly knowledgeable, patient, and always willing to go the extra mile.
Chris made the entire process stress-free … More and easy to understand. She explained everything clearly, answered all of my questions promptly, and even helped me navigate some unexpected hurdles. Her expertise and dedication were instrumental in securing a great loan that met my needs and exceeded my expectations.
I highly recommend Chris to anyone looking for a mortgage lender who truly cares about their clients and delivers exceptional service. Thank you, Chris, for making the home buying process a smooth and enjoyable experience!
Becky Miller ★★★★★ a month ago
Chris Vraa was great to work with! We would highly recommend her for any of your loan needs. She found the best loan terms and interest rate for our mortgage. Chris explained in detail what each step of the loan process was and was very … More prompt on answering our questions. She is very professional and "on top" of everything for her customers!
Roxie Tanner ★★★★★ 5 months ago
My husband and I recently refinanced our home and our experience couldn't have been better. Chris Vraa was so great to work with. She answered our questions, communicated with us through the entire process and made the closing go … More smoothly.
We highly recommend Chris and Heritage Bank!

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RECENT NEWS & EVENTS

Mortgage Trends and Homebuying Challenges with Doug Frazzini

Financial, General, Mortgage

Navigating the Minnesota real estate market can be daunting, especially for first-time homebuyers. With increasing housing prices, limited starter home options, and economic factors influencing mortgage rates, understanding the market dynamics is critical. To shed light on these challenges and offer expert advice, KWLM sat down with Doug Frazzini, Capital Market Specialist at Heritage Bank,…

Heritage Bank’s Commitment to Cybersecurity: Safeguarding Your Digital Assets

Educational, General

Banking security has never been more critical today, when technology plays a significant role in our daily lives. Kelly Pickle, the Director of Enterprise Risk at Heritage Bank NA, recently appeared on KWLM’s ‘Ask the Expert’ segment. She highlights how community banks, like Heritage Bank, are taking significant steps to protect their customers from cyber…

Fore! A Community Cause: The United Way Golf Tournament Returns to Willmar

General, Local News

Get ready to tee up for a day of fun, community connection, and philanthropy! The 16th Annual United Way Golf Tournament is coming in June, and Heritage Bank NA is proud to sponsor this Willmar, Minnesota, event. Mark your calendars for Friday, June 20th, and join us for a tournament that brings local businesses, community…

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