Certificate of Deposit Rates

(Includes IRAs)
See bottom of page for information on our Advantage Term CD's.
Term
Interest Rate
Annual Percentage Yield
30 Days
0.75%
0.75%
60 Days
0.75%
0.75%
91 Days
1.88%
1.90%
182 Days
2.22%
2.25%
1 Year
2.57%
2.60%
18 Months
2.66%
2.70%
2 Years
2.76%
2.80%
3 Years
2.96%
3.00%
3 Year Advantage
see below for rates
4 Years
3.05%
3.10%
5 Years
3.20%
3.25%
  • Rates are effective as of 12/29/2008

  • Minimum Deposit - $1,000

  • Posted rates are subject to change at any time without prior notice

  • Early withdrawal may be subject to penalty

  • Once a Certificate of Deposit is purchased the rate is set through maturity


CD Special

(See bottom of page for information on our Advantage Term CD's.)
Term
Interest Rate
Annual Percentage Yield
No special at this time
  • Rates are effective as of 12/29/2008

  • Minimum Deposit - $1,000

  • Posted rates are subject to change at any time without prior notice

  • Early withdrawal may be subject to penalty

  • Once a Certificate of Deposit is purchased the rate is set through maturity


Checking & Savings Account Rates

Account
Tier
Interest Rate
Annual Percentage Yield
Heritage Gold
$0.01 to $29,999.99
0.50%
0.50%
$30,000.00 and over
0.50%
0.50%
Heritage Silver & Senior Accounts
One tier
0.25%
0.25%
Heritage Health Savings
$0.01 to $1,499.99
0.25%
0.25%
$1,500.00 to $4,999.99
0.50%
0.50%
$5,000 and over
0.75%
0.75%
Heritage Money Market (Business & Personal)
$0.01 to $24,999.99
0.995%
1.00%
$25,000.00 to $49,999.99
1.24%
1.25%
$50,000.00 to $99,999.99
1.49%
1.50%
$100,000.00 and over
1.73%
1.75%
Heritage Savings
Personal
0.75%
0.75%
Business
0.75%
0.75%
Youth
0.75%
0.75%
Business NOW
One tier
0.50%
0.50%
Earnings Credit - Business Accounts
Account Analysis
0..25%
N/A
  • Rates are effective as of 12/29/2008

  • Rates may change after the account is opened

  • Fees may reduce earnings

  • Heritage Gold, Silver & Senior Accounts - Interest bearing, paid monthly on daily ledger balances when greater than $1,000

  • Heritage Health Savings Accounts - Interest bearing, paid monthly on daily ledger balances when greater than $500


Advantage Certificate of Deposit Rates

Term
Interest Rate
Annual Percentage Yield
Advantage 3 CD (3 year term)/ $1,000 minimum
2.96%
3.00%
  • Rates are effective as of 12/29/2008

  • Posted rates are subject to change at any time without prior notice.

  • The interest rate can be increased once during the term to the prevailing 3 year CD rate at the time of the increase.

  • Withdrawals will be allowed after 30 days of issuance. You may withdrawal from your CD one time during the original term up to 50% of the current balance without any penalty. Other withdrawal penalties may apply.

  • You may make deposits to your account at anytime in $1,000.00 or higher increments.

 


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