Deposit Rates

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.