Deposit Rates

Deposit Rates

Type
Interest Rate ²
APY ¹
Min. Bal.
11-month (special) ³
4.05%
4.09%
$1,000
25-month (special) ³
3.80%
3.84%
$1,000
12-month
3.00%
3.03%
$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 CD ⁴
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.
2. The interest rate is variable and may be changed at our discretion.
3. Specials auto renew at the current 12 month CD term and interest at date of renewal.
4. 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 Rate ²
APY ¹
All Balances
3.00%
3.03%

Individual Retirement 
Account

Interest Rate ²
APY ¹
Min. Bal.
3.00%
3.02%
$100
Interest Rate ²
APY ¹
Min. Bal.
2.00%
2.02%
$100
Balance
Interest Rate ²
APY ¹
$5,000 – $19,999
1.00%
1.00%
$20,000 – $49,999
1.10%
1.11%
$50,000 – $249,999
1.30%
1.31%
$250,000 and above
1.50%
1.51%
Type
Interest Rate ²
APY ¹
Min. Bal.
Simple Savings
1.00%
1.00%
$1
Super Saver
1.00%
1.00%
$1,000
1.15%
1.16%
$10,000
1.20%
1.21%
$25,000
Type
Interest Rate ²
APY ¹
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
Interest Rate ²
APY ¹
Minimum Balance
Premium Checking
1.00%
1.01%
$10,000
Reward Checking
Customers receive a Reward Credit that is calculated as 0.25% times the total amount of point of sale (POS) debit card transaction posted to the account between the first banking business day and the last banking business day of the month. Reward credit rate is subject to change. Maximum reward of $30 per statement cycle.
Balance
Interest Rate ²
APY ¹
$5,000 – $19,999.99
1.25%
1.26%
$20,000 – $49,999.99
1.75%
1.76%
$50,000 – $249,999.99
2.25%
2.27%
$250,000 – $499,999.99
2.50%
2.53%
$500,000 and Above
3.00%
3.04%
Type
Balance
Interest Rate ²
APY ¹
Community Impact Checking
No minimum
2.25%
2.27%
Community Impact Money Market
$0 – $49,999
2.00%
2.02%
$50,000 – $99,999
2.25%
2.27%
$100,000 – $249,999
2.75%
2.78%
$250,000 – $999,999
3.25%
3.30%
$1,000,000 and above
3.50%
3.56%
1. APY = Annual Percentage Yield.
2. The interest rate is variable and may be changed at our discretion.