Deposit Rates
Type | Interest Rate² | APY¹ | Minimum Balance |
|---|---|---|---|
7-month (special) | 4.20% | 4.26% | $1,000 renew at 12 month |
13-month (special) | 4.30% | 4.35% | $1,000 renew at 12 month |
12-month | 3.25% | 3.28% | $1,000 |
18-month | 3.10% | 3.13% | $1,000 |
24-month | 3.00% | 3.02% | $1,000 |
36-month | 2.65% | 2.67% | $1,000 |
48-month | 2.60% | 2.61% | $1,000 |
60-month | 3.50% | 3.53% | $1,000 |
Heritage CD³ | 2.50% | 2.51% | $1 |
Certificates under 6 month terms compound at maturity, all other certificates compound semi-annually.
There may be penalties for early withdrawal from certificates.
¹ APY = Annual Percentage Yield. Fees could reduce earnings. Withdrawal limitations apply.
² The interest rate is variable and may be changed at our discretion.
³ Variable Rate. Interest on Heritage certificate is a variable rate with five year term. Child must be under the age of 18 at the time of opening. No penalty for early withdrawal after child’s 18th birthday.
Balance | Interest Rate² | APY¹ |
|---|---|---|
All Balances | 3.00% | 3.02% |
Individual Retirement
Accounts*
Type | Interest Rate² | APY¹ | Min. Balance |
|---|---|---|---|
24-month IRA | 3.00% | 3.02% | $100 |
*Variable Rate. Customers may choose a fixed rate from our 12, 18, or 24 month CD selection. There may be penalties for early withdrawal from retirement accounts.
Interest Rate² | APY¹ | Min. Balance | 2.00% | 2.02% | $100 |
|---|
Balance | Interest Rate² | APY¹ |
|---|---|---|
$5,000 – $19,999.99 | 1.05% | 1.06% |
$20,000 – $49,999.99 | 1.25% | 1.26% |
$50,000 – $249,999.99 | 1.75% | 1.76% |
$250,000 and above | 2.05% | 2.07% |
Type | Interest Rate² | APY¹ | Minimum Balance |
|---|---|---|---|
Simple Savings | 1.00% | 1.00% | $1 |
Super Saver | 1.00% | 1.00% | $1,000 |
1.15% | 1.16% | $10,000 | |
1.25% | 1.26% | $25,000 | |
Type | Interest Rate² | APY¹ | Minimum Balance |
|---|---|---|---|
Premium Checking | 0.50% | 0.50% | $1,000 |
0.60% | 0.60% | $10,000 |
Customers receive 0.25% of eligible point of sale debit card transactions when a minimum of 10 debit card transactions are posted by the last business day of the month. The reward credit rate is subject to change. No minimum balance to open account.
Type | Balance | Interest Rate² | APY¹ | Community Impact Checking | No minimum | 2.25% | 2.27% |
|---|---|---|---|
Community Impact Money Market | $0 – $49,999.99 | 2.25% | 2.27% |
$50,000 – $99,999.99 | 2.50% | 2.53% | |
$100,000 – $249,999.99 | 3.00% | 3.04% | |
$250,000 – $999,999.99 | 3.50% | 3.56% | |
$1,000,000 and above | 3.75% | 3.82% |
¹ APY = Annual Percentage Yield. Fees could reduce earnings. Withdrawal limitations apply.
² The interest rate is variable and may be changed at our discretion.