Deposit Rates
Certificates of Deposit
Type | Interest Rate | APY | Minimum Balance |
|---|---|---|---|
9-month | 5.25% | 5.27% | $5,000 |
12-month | 4.25% | 4.30% | $1,000 |
18-month | 4.75% | 4.80% | $1,000 |
24-month | 3.75% | 3.78% | $1,000 |
36-month | 3.75% | 3.78% | $1,000 |
Heritage CD* | 2.50% | 2.51% | $1 |
Minimum balance is $1,000, except special CD rates and the Heritage CD ($1 minimum)
Six-month certificates compound at maturity, all other certificates compound semi-annually. There may be penalties for early withdrawal from certificates.
*Variable rate. The interest rate on Heritage Certificate is a variable rate. APY is accurate as of July 31, 2023. No penalty for early withdrawal after child’s 18th birthday. Child must be 18 years or under at time of opening. 5 year term.
Health Savings
Account**
Balance | Interest Rate | APY |
|---|---|---|
All Balances | 2.50% | 2.53% |
Individual Retirement
Accounts
Type | Interest Rate | APY |
|---|---|---|
24-month IRA* | 3.00% | 3.02% |
Minimum balance is $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.
First-Time Homebuyers
Savings Account**
Interest Rate | APY | Minimum Balance | 2.00% | 2.01% | $100 |
|---|
Money Market**
Balance | Interest Rate | APY |
|---|---|---|
$5,000 – $19,999 | 1.25% | 1.26% |
$20,000 – $49,999 | 1.75% | 1.76% |
$50,000 – $249,999 | 2.25% | 2.27% |
$250,000 and above | 2.50% | 2.53% |
Savings Accounts**
Type | Interest Rate/APY | Minimum Balance |
|---|---|---|
Simple Savings* | 1.00% | $1 |
Super Saver* | 1.00% | $1,000 |
1.15% | $10,000 | |
1.25% | $25,000 | |
Checking Accounts**
Type | Interest Rate/APY | Minimum Balance |
|---|---|---|
Premium Checking | 0.50% | $1,000 |
0.60% | $50,000 |
Reward Checking
Reward checking 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.
**The interest rate is variable and may be changed at our discretion.
APY = Annual Percentage Yield. Fees could reduce earnings. Withdrawal limitations apply.