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Heritage Bank NA-Willmar

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Willmar, MN
Heritage Bank NA-Willmar

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Heritage Bank employee owners are committed to the success of the communities we serve with a focus on agriculture, business, and home ownership.

10/31/2026

Things got a little spooky around Heritage Bank! 👻🎃
Our employee owners showed up in costume and brought plenty of Halloween spirit. 🧡

Happy Halloween from Heritage Bank!

10/30/2026

📈Here's what's happening this week (Oct 24-30th) in our Mortgage Market Update!
𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐑𝐚𝐭𝐞𝐬 𝐓𝐫𝐞𝐧𝐝 𝐒𝐥𝐢𝐠𝐡𝐭𝐥𝐲 𝐋𝐨𝐰𝐞𝐫 𝐭𝐨 𝐄𝐧𝐝 𝐭𝐡𝐞 𝐖𝐞𝐞𝐤

𝐖𝐇𝐀𝐓 𝐇𝐀𝐏𝐏𝐄𝐍𝐄𝐃 𝐓𝐇𝐈𝐒 𝐖𝐄𝐄𝐊? The Federal Reserve met this week and chose not to raise short-term interest rates. This was largely expected and had very little effect on mortgage rates.

𝐖𝐇𝐘 𝐃𝐈𝐃 𝐈𝐓 𝐇𝐀𝐏𝐏𝐄𝐍? Stock Markets, the AI and Technology companies specifically, sold off on concerns around large amounts of debt and questionable future revenues. When stocks sell off, money moves to less risky investments like bonds.

𝐖𝐇𝐀𝐓 𝐃𝐎𝐄𝐒 𝐈𝐓 𝐌𝐄𝐀𝐍 𝐅𝐎𝐑 YOU? There is not an established trend towards lower rates, so buyers should strongly consider locking in their interest rates when they've signed a purchase agreement.

𝐎𝐍𝐄 𝐓𝐇𝐈𝐍𝐆 𝐓𝐎 𝐖𝐀𝐓𝐂𝐇 𝐍𝐄𝐗𝐓 𝐖𝐄𝐄𝐊: The mid-term elections are the biggest event to watch next week. There are economic reports due throughout the week, and if there is any sign of rising inflation, we could see rates move right back up.

Member FDIC & Equal Housing Lender | NMLS #446440
This content is for informational purposes only and is not intended as financial, investment, tax, or legal advice. Please consult your professional advisor regarding your individual situation.

10/28/2026

October's Employee Spotlight: Noah Bastin! 🍂
This month, we're excited to spotlight Noah B., Banking Apprentice at Heritage Bank. Noah is building his banking experience through his apprenticeship while gaining opportunities to learn more about the different areas of community banking.

Thank you, Noah, for all you do! 💙

10/26/2026

𝗙𝗿𝗶𝗲𝗻𝗱𝗹𝘆 𝗿𝗲𝗺𝗶𝗻𝗱𝗲𝗿 𝘄𝗵𝗲𝗻 𝗶𝘁 𝗰𝗼𝗺𝗲𝘀 𝘁𝗼 𝗱𝗲𝗯𝗶𝘁 𝗰𝗮𝗿𝗱 𝘀𝗮𝗳𝗲𝘁𝘆 💳
Most fraud does not come from banks being "hacked." It usually happens when cards are used on compromised websites, online merchants, or card skimmers.
Banks are highly regulated and closely monitored. If a confirmed security breach ever occurred, customers would be notified.
Here are three simple habits that can help reduce your risks. And if fraud does happen, most banks have protections in place to help resolve it quickly.

Heritage Bank NA, Member FDIC

10/23/2026

Here's what's happening on this week's Mortgage Market Update!
𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐑𝐚𝐭𝐞𝐬 𝐌𝐨𝐯𝐞𝐝 𝐒𝐥𝐢𝐠𝐡𝐭𝐥𝐲 𝐋𝐨𝐰𝐞𝐫 𝐓𝐡𝐢𝐬 𝐖𝐞𝐞𝐤

𝐖𝐇𝐀𝐓 𝐇𝐀𝐏𝐏𝐄𝐍𝐄𝐃 𝐓𝐇𝐈𝐒 𝐖𝐄𝐄𝐊? The average 30-year fixed rate dropped to 7.36% this week, compared to 7.6% in the previous week.

𝐖𝐇𝐘 𝐃𝐈𝐃 𝐈𝐓 𝐇𝐀𝐏𝐏𝐄𝐍? Several factors caused interest rates to move lower this week. Technology-based stocks have seen a selloff recently, and investors have been moving those funds to what is considered a safer investment: U.S. Treasury bond markets. The geopolitical landscape continues to drive volatility in the interest rate markets as well, with oil prices still causing concerns around longer-term inflation.

𝐖𝐇𝐀𝐓 𝐃𝐎𝐄𝐒 𝐈𝐓 𝐌𝐄𝐀𝐍 𝐅𝐎𝐑 𝐇𝐄𝐑𝐈𝐓𝐀𝐆𝐄 𝐁𝐀𝐍𝐊 𝐂𝐔𝐒𝐓𝐎𝐌𝐄𝐑𝐒 𝐀𝐍𝐃 𝐓𝐇𝐄 𝐆𝐄𝐍𝐄𝐑𝐀𝐋 𝐏𝐔𝐁𝐋𝐈𝐂? If buyers are within a 30-day window to close on a home purchase, they could benefit from this dip in rates.

𝐎𝐍𝐄 𝐓𝐇𝐈𝐍𝐆 𝐓𝐎 𝐖𝐀𝐓𝐂𝐇 𝐍𝐄𝐗𝐓 𝐖𝐄𝐄𝐊: The Federal Reserve meets next week to decide on future interest policy, and this can affect mortgage interest rates based on their decision to hold, or to raise the federal funds rate.

Statistics Source: Realtor.com

Member FDIC & Equal Housing Lender | NMLS #446440
This content is for informational purposes only and is not intended as financial, investment, tax, or legal advice. Please consult your professional advisor regarding your individual situation.

10/21/2026

🤔 Would you know how to spot a housing scam, fake job offer, or financial aid scam?
Scammers often target college students during major life transitions, but a little awareness can go a long way.
In this post, we break down common college scams and share simple ways students can better protect their personal and financial information.
Because the best defense is knowing what to look for.
Link in the comments 👇

Member FDIC

10/20/2026

Looking for a career where you can make a difference every day? We're hiring a Teller to join our team in Willmar! If you enjoy helping people, providing great customer service, and being part of a positive team culture, we'd love to hear from you. 😊

Apply Here 👉 https://vist.ly/5p8xz

Heritage Bank NA, Member FDIC | Equal Opportunity Employer

10/19/2026

Scammers love to create urgency. Real banks don't. Take a breath.
Call Heritage Bank NA to verify before you act.
Become a : https://vist.ly/5p47a

10/16/2026

📊 Here's what's happening in this week's mortgage market.

Mortgage rates held steady this week even as inflation kept the financial markets on edge.
𝐖𝐡𝐚𝐭 𝐡𝐚𝐩𝐩𝐞𝐧𝐞𝐝 𝐭𝐡𝐢𝐬 𝐰𝐞𝐞𝐤:
The average 30-year fixed mortgage rate remained at approximately 7.4%, unchanged from the prior week. That stability masked a fair amount of movement in the bond market as investors reacted to new inflation data and changing expectations for the Federal Reserve.
𝐖𝐡𝐲 𝐝𝐢𝐝 𝐢𝐭 𝐡𝐚𝐩𝐩𝐞𝐧:
September inflation came in hotter than expected, which is generally bad news for interest rates. The initial market reaction pushed Treasury yields higher, although some of that movement reversed later. Mortgage rates do not move in lockstep with the Federal Reserve, but inflation and expectations about future Fed decisions influence the bond market that helps determine mortgage pricing.
𝐖𝐡𝐚𝐭 𝐝𝐨𝐞𝐬 𝐢𝐭 𝐦𝐞𝐚𝐧:
Borrowing costs remain elevated, so buyers should pay attention to the full monthly payment rather than focusing only on the advertised interest rate. Loan type, down payment, credit profile, taxes and insurance can all materially affect affordability. Homeowners considering a refinance should also compare the expected monthly savings with the closing costs and the length of time they expect to keep the loan.
𝐎𝐧𝐞 𝐭𝐡𝐢𝐧𝐠 𝐭𝐨 𝐰𝐚𝐭𝐜𝐡 𝐧𝐞𝐱𝐭 𝐰𝐞𝐞𝐤:
The housing calendar takes center stage, with reports covering construction activity, building permits and pending home sales. Those numbers may help show how consumers and builders are responding to the current combination of higher rates and elevated home prices.

Member FDIC | Equal Housing Lender
Disclaimer: This content is for informational purposes only and is not intended as financial, investment, tax, or legal advice. Please consult your professional advisor regarding your individual situation.

10/08/2026

📌Please note: Our lobbies & drive-ups will be closed, and our customer support team will be unavailable on Monday, October 12th.
We will resume regular operations on Tuesday, October 13th.

Heritage Bank NA, Member FDIC

08/29/2026

Same friendly faces, updated drive-up hours! 🚗
Starting next week, our Willmar drive-up will be open Monday through Friday from 8:00 a.m. to 5:00 p.m., and Saturdays from 8:00 a.m. to 12:00 p.m.
Thank you for banking local with Heritage Bank N.A.

Member FDIC

07/20/2026

"If your neighbors succeed, the whole town thrives."
That philosophy has guided Gary Geiger's banking career for more than five decades.
As a 2026 Pioneer Banker, Gary is being recognized not only for his years in banking, but for the countless ways he's invested in the people and communities he serves.

Congratulations, Gary, on this well-deserved honor! 🎉

07/02/2026

📢Attention: Our lobbies, drive-ups & customer support will be closed on Saturday, July 4th, in observance of Independence Day.
We will resume regular operations on Monday, July 6th.

06/24/2026

Big upgrade for our Willmar location!
Our new drive-thru ATM is now available for easy, on-the-go banking 💳🚗
Fast. Convenient. Built for your busy day. Plus, new features include a Spanish language option to better serve our community.
Have you tried it yet?

06/21/2026

Happy Father's Day from Heritage Bank NA!
Sending all the dads lots of love and best wishes for a chill and enjoyable day.💙
Let's take a moment to appreciate all the amazing dads in our lives and celebrate them today!

Member FDIC

06/19/2026

Today, we reflect on the journey toward freedom and equality. Juneteenth is a historical milestone and a call for justice and inclusivity. It's a time to educate, reflect, and inspire change for a better future.

Member FDIC

06/16/2026

📢Attention - Our lobbies, drive-ups, and customer support will be closed on Friday, June 19th, in observance of Juneteenth. We will resume regular operations on Saturday, June 20th.

Heritage Bank N.A. Member FDIC

06/15/2026

Please join us in welcoming Logan Swenson to the Heritage Bank team as a teller. We're thrilled to have you on board and can't wait to see the amazing things you'll accomplish with us. 🎉
Welcome, Logan!

Heritage Bank NA, Member FDIC

06/12/2026

🎉 Celebrating our June employee-owners' Anniversaries!
This month, we're thrilled to celebrate the anniversaries of Nancy, Hilary, and Jeremy. Thank you for being such an important part of our team at Heritage Bank. Here's to many more years together! 🏆

Please join us in congratulating them on their work anniversaries in the comments below! 👏

Address

310 1st Street SW
Willmar, MN
56201

Opening Hours

Monday	9am - 4pm
Tuesday	9am - 4pm
Wednesday	9am - 4pm
Thursday	9am - 4pm
Friday	9am - 4pm

Telephone

+13202355720

Website

http://heritagebankna.com/

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