Deposit Rates

Deposit Rates

Certificates of Deposit*

Type
Interest Rate
APY**
Minimum Balance
7-month (special)
4.50%
4.57%
$1,000 renew at 12 month
13-month (special)
4.25%
4.31%
$1,000 renew at 12 month
19-month (special)
4.00%
4.05%
$1,000 renew at 24 month
12-month
3.25%
3.28%
$1,000
18-month
3.10%
3.12%
$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*
2.50%
2.51%
$1
Minimum balance is $1,000, except special CD rates and the Heritage CD ($1 minimum)
Certificates under 12 month terms 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.  No penalty for early withdrawal after child’s 18th birthday. Child must be 18 years or under at time of opening. 5 year term.
** APY – Annual Percentage Yield.  Fees could reduce earnings.  Withdrawal limitations apply.
Balance
Interest Rate
APY**
All Balances
3.00%
3.02%

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.
Interest Rate
APY**
Min. Balance
2.00%
2.02%
$100
Balance
Interest Rate
APY**
$5,000 – $19,999
1.15%
1.16%
$20,000 – $49,999
1.50%
1.51%
$50,000 – $249,999
2.00%
2.02%
$250,000 and above
2.25%
2.27%
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
Type
Interest Rate/APY**
Minimum Balance
Premium Checking*
0.50%
$1,000
0.60%
$50,000

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.

Non-Profit Accounts**

Type
Balance
Interest Rate
APY**
Checking*
No minimum
2.27% APY**
Money Market
$0 – $50,000
2.25%
2.27%
$50,000 – $100,000
2.50%
2.53%
$100,000 – $250,000
3.00%
3.04%
$250,000 – $1,000,000
3.50%
3.56%
$1,000,000 +
3.75%
3.82%

*Interest rate is variable and may be changed at our discretion.
**APY = Annual Percentage Yield. Fees could reduce earnings. Withdrawal limitations apply.