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Certificate of Deposit Rates(Includes IRAs)
See bottom of page for information on our Advantage Term CD's.
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Term
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Interest Rate
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Annual Percentage Yield
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30 Days
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0.75%
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0.75%
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60 Days
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0.75%
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0.75%
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91 Days
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1.88%
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1.90%
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182 Days
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2.22%
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2.25%
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1 Year
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2.57%
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2.60%
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18 Months
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2.66%
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2.70%
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2 Years
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2.76%
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2.80%
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3 Years
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2.96%
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3.00%
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3 Year Advantage
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see below for rates
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4 Years
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3.05%
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3.10%
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5 Years
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3.20%
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3.25%
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- 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
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CD Special(See bottom of page for information on our Advantage Term CD's.)
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Term
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Interest Rate
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Annual Percentage Yield
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No special at this time
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- 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
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Checking & Savings Account Rates
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Account
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Tier
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Interest Rate
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Annual Percentage Yield
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Heritage Gold
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$0.01 to $29,999.99
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0.50%
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0.50%
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$30,000.00 and over
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0.50%
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0.50%
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Heritage Silver & Senior Accounts
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One tier
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0.25%
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0.25%
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Heritage Health Savings
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$0.01 to $1,499.99
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0.25%
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0.25%
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$1,500.00 to $4,999.99
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0.50%
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0.50%
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$5,000 and over
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0.75%
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0.75%
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Heritage Money Market (Business & Personal)
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$0.01 to $24,999.99
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0.995%
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1.00%
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$25,000.00 to $49,999.99
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1.24%
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1.25%
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$50,000.00 to $99,999.99
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1.49%
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1.50%
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$100,000.00 and over
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1.73%
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1.75%
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Heritage Savings
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Personal
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0.75%
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0.75%
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Business
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0.75%
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0.75%
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Youth
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0.75%
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0.75%
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Business NOW
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One tier
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0.50%
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0.50%
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Earnings Credit - Business Accounts
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Account Analysis
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0..25%
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N/A
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- 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
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Advantage Certificate of Deposit Rates
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Term
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Interest Rate
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Annual Percentage Yield
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Advantage 3 CD (3 year term)/ $1,000 minimum
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2.96%
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3.00%
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- 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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