Heritage Bank & Trust is an FDIC insured institution headquartered at
217 S James M Campbell Blvd, Columbia, TN 38401.
It was founded in
2006 and has approximately $0 billion in assets. Customers can open an account at one of its 4 branches.
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
Savings
|
0.10% | $2,500 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.10% | $10,000 | Compare |
|
6 Mo CD
|
0.10% | $100,000 | Compare |
|
Special: 7 Mo CD
|
0.50% | $1,000 | Compare |
|
12 Mo CD
|
0.30% | $10,000 | Compare |
|
12 Mo CD
|
0.30% | $100,000 | Compare |
|
18 Mo CD
|
0.30% | $10,000 | Compare |
|
18 Mo CD
|
0.30% | $100,000 | Compare |
|
24 Mo CD
|
0.55% | $10,000 | Compare |
|
24 Mo CD
|
0.55% | $100,000 | Compare |
|
36 Mo CD
|
0.60% | $10,000 | Compare |
|
36 Mo CD
|
0.60% | $100,000 | Compare |
|
48 Mo CD
|
0.65% | $10,000 | Compare |
|
48 Mo CD
|
0.65% | $100,000 | Compare |
|
60 Mo CD
|
0.80% | $10,000 | Compare |
|
60 Mo CD
|
0.80% | $100,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.01% | $2,500 | Compare |
|
Money Market
|
0.02% | $10,000 | Compare |
|
Money Market
|
0.04% | $25,000 | Compare |
| PREMM RATES | APY | MIN | |
|---|---|---|---|
|
Premium Money Market
|
0.01% | $10,000 | Compare |
|
Premium Money Market
|
0.02% | $25,000 | Compare |
| #1 Non-bank HELOC in the US, A+ BBB Rating | $0 |
|
Intro APR: 6.750 %
After Intro:6.750 % |
$25,000 |
Figure Home Equity NMLS ID: 1717824 / Updated 2025-09-22 |
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
Reliant Home Funding, Inc NMLS ID: 292473 / Updated 2025-09-22 |
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
Four Leaf Federal Credit Union NMLS ID: 449104 / Updated 2025-12-22 |
Intro APR: 5.990 %
After Intro:7.000 % Intro Period: 12 months |
$25,000 |
Reliant Home Funding, Inc. NMLS ID: 292473 |
6.024% |
$1,893
Fees & Points
$5,173 Total
0.993 Pts ($3,178) $1,995 Fees |
| 6.331% |
$1,971
Fees & Points
$3,002 Total
0.552 Pts ($1,766) $1,236 Fees |
PenFed Credit Union NMLS ID: 401822 |
6.403% |
$1,971
Fees & Points
$5,195 Total
1.000 Pts ($3,200) $1,995 Fees |
Rocket Mortgage NMLS ID: 3030 |
Fees & Points
Total
Pts ($0) $0 Fees |
| FDIC Insured | Yes |
| FDIC Certificate | # 58220 |
| Date Established | 2006 |
| Assets | $ 406.20 million |
| Loans | $ 339.36 million |
| Deposits | $ 363.91 million |
| Capital | $ 31.74 million |
| ASSETS | |
| Cash & Balances due from depository institutions | $ 5.48 million |
| Interest-bearing balances | $ 1.01 million |
| Total securities | $ 39.64 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 339.36 million |
| Loan loss allowance | $ 5.84 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.98 million |
| Goodwill and other intangibles | N.A. |
| All other assets | $ 6.38 million |
| Total Assets | $ 374.46 million |
| LIABILITIES | |
| Total deposits | $ 363.91 million |
| Interest-bearing deposits | $ 309.97 million |
| Deposits held in domestic offices | $ 363.91 million |
| % insured (estimated)" | 81.86% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 1.82 millionn |
| Total Liabilities | $ 374.46 million |
| Shareholders’ Equity | $ 31.74 million |
| INCOME AND EXPENSES | |
| Total Interest Income | $ 23.00 million |
| Total Interest Expense | $ 8.15 million |
| Net interest income | $ 14.85 million |
| Provision for loan and lease losses | $ 0.65 million |
| Total non interest income | $ 2.70 million |
| Total non interest expense | $ 12.43 million |
| Pre-tax Net Operating Income | $ 0.96 million |
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