Current Rates

• Certificate of Deposit
• Individual Retirement Accounts
• Checking Accounts
• Savings Accounts
• Money Market Accounts

ALL INTEREST RATES AND ANNUAL PERCENTAGE YIELDS ARE ACCURATE AS OF TODAYS DATE

Some accounts have potential fees.  Please be aware these fees could reduce the earnings on the account.

Certificate of Deposit

Term	Rate	APY*
*APY = Annual Percentage Yield Early Withdrawal Penalties Apply
3 Month	.995%	1.00%
6 Month	1.19%	1.20%
12 Month	1.44%	1.45%
18 Month	1.54%	1.55%
24 Month	1.83%	1.85%
30 Month	1.88%	1.90%
36 Month	2.48%	2.51%
48 Month	2.48%	2.51%
60 Month	2.71%	2.75%

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HERITAGE Individual Retirement Accounts

Term	Rate	APY*
*APY = Annual Percentage Yield
All Types	1.19%	1.20%

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HERITAGE NOW Checking Accounts

 

Term	Rate	APY*
*APY = Annual Percentage Yield A service charge of $5.00 will be imposed every statement cycle if the average daily balance falls below the minimum balance of $1,000.00  Free Checks-Limited styles Interest is calculated on the average daily balance and paid monthly.
$0.00 to $10,000.00	.20%	.20%
$10,000.01 to $20,000 .00	.30%	.30%
$20,000.01 and up	.30%	.30%

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HERITAGE ELITE Checking Accounts

 Only for members over 55 

Term	Rate	APY*
*APY = Annual Percentage Yield A service charge of $5.00 will be imposed every statement cycle if the average daily balance falls below the minimum balance of $1,000.00  Free Checks-Limited styles Interest is calculated on the average daily balance and paid monthly.
$0.00 to $10,000.00	.20%	.20%
$10,000.01 to $20,000 .00	.30%	.30%
$20,000.01 and up	.30%	.30%

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HERITAGE Savings Accounts

Term	Rate	APY*
*APY = Annual Percentage Yield Savings interest is calculated on the average daily balance and paid quarterly.
Up to $5,000.00 balance	.25%	.25%
$5,000.01 to $20,000.00	.35%	.35%
$20,000.01 and up	.60%	.60%

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HERITAGE Money Market Accounts

Term	Rate	APY*
*APY = Annual Percentage Yield Interest is calculated on the average daily balance and paid monthly.  Restricted to 6 transactions per month.                  Free checks-limited styles
$1,000.00 to $10,000.00	.35%	.35%
$10,000.01 to $20,000.00	.50%	.50%
$20,000.01 to $50,000.00	.60%	.60%
$50,000.01 and up	.995%	1.00%

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