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  <xs:element id="hfwa_NoninterestDepositsInterestBearingDemandDepositsMoneyMarketAccountsAndSavingsAccountsMember" abstract="true" name="NoninterestDepositsInterestBearingDemandDepositsMoneyMarketAccountsAndSavingsAccountsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hfwa_InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfCashFlowsExtensibleEnumerationNotDisclosedFlag" abstract="false" name="InvestmentProgramProportionalAmortizationMethodAppliedIncomeTaxCreditAndOtherTaxBenefitAmortizationStatementOfCashFlowsExtensibleEnumerationNotDisclosedFlag" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="hfwa_QualifiedAffordableHousingProjectInvestmentsFutureCommitment" abstract="false" name="QualifiedAffordableHousingProjectInvestmentsFutureCommitment" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_InvestmentInSolarTaxCreditAmortizationExpense" abstract="false" name="InvestmentInSolarTaxCreditAmortizationExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsuranceSurrenderAmount" abstract="false" name="EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsuranceSurrenderAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseAcquisitionCostsAmount" abstract="false" name="EffectiveIncomeTaxRateReconciliationNondeductibleExpenseAcquisitionCostsAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_EffectiveIncomeTaxRateReconciliationRestrictedStockUnitExcessLiabilityAmount" abstract="false" name="EffectiveIncomeTaxRateReconciliationRestrictedStockUnitExcessLiabilityAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hfwa_EffectiveIncomeTaxReconciliationBankOwnedLifeInsuranceAmount" abstract="false" name="EffectiveIncomeTaxReconciliationBankOwnedLifeInsuranceAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
