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Deposit Account Rates

Certificate of Deposit Rates (Includes IRAs)

CD and IRA rates
TermInterest RateAnnual Percentage Yield
Term
30 Days
Interest Rate
0.40%
Annual Percentage Yield
0.40%
Term
60 Days
Interest Rate
0.50%
Annual Percentage Yield
0.50%
Term
91 Days
Interest Rate
0.75%
Annual Percentage Yield
0.75%
Term
182 Days
Interest Rate
1.00%
Annual Percentage Yield
1.00%
Term
1 Year
Interest Rate
1.24%
Annual Percentage Yield
1.25%
Term
18 Months
Interest Rate
1.49%
Annual Percentage Yield
1.50%
Term
2 Years
Interest Rate
1.59%
Annual Percentage Yield
1.60%
Term
30 Months
Interest Rate
1.69%
Annual Percentage Yield
1.70%
Term
3 Years
Interest Rate
1.79%
Annual Percentage Yield
1.80%
Term
4 Years
Interest Rate
1.89%
Annual Percentage Yield
1.90%
Term
5 Years
Interest Rate
1.98%
Annual Percentage Yield
2.00%
  • Rates are effective as of 10/05/2022
  • Minimum Deposit - $1,000
  • Posted rates are subject to change at any time without prior notice
  • Early withdrawal may be subject to penalty

Once Certificate of Deposit is purchased the rate is set through maturity.


 

CD Special (Includes IRAs)

Special CD and IRA rates
TermRateAnnual Percentage Yield
33 Months2.07%2.09%
  • Rates are effective as of 10/05/2022
  • Minimum Deposit - $1,000
  • Posted rates are subject to change at any time without prior notice
  • Early withdrawal may be subject to penalty

Once a Certificate of Deposit is purchased the rate is set through maturity.


 

Checking & Savings Account Rates

A view of our checking and savings account rates
AccountTierInterest RateAnnual Percentage Yield
Account

Brilliant

Tier

$0.01 to $29,999.99

$30.000.00 and Over

Interest Rate

0.10%

0.10%

Annual Percentage Yield

0.10%

0.10%

Account

Heritage Checking

Tier
One Tier
Interest Rate
0.10%
Annual Percentage Yield
0.10%
Account
Heritage Health Savings
Tier

$0.01 to $1,499.99

$1,500.00 to $4,999.99

$5,000 and Over

Interest Rate

0.10%

0.10%

0.10%

Annual Percentage Yield

0.10%

0.10%

0.10%

Account
Money Market (Business & Personal)
Tier

$0.01 to $24,999.99

$25,000.00 to $49,999.99

$50,000.00 to $99.999.99

$100,000.00 and Over

Interest Rate

0.25%

0.35%

0.45%

0.50%

Annual Percentage Yield

0.25%

0.35%

0.45%

0.50%

Account
Heritage Savings
Tier

Personal

Business

Interest Rate

0.10%

0.10%

Annual Percentage Yield

0.10%

0.10%

  • Rates are effective as of 10/05/2022
  • Rates may change after the account is opened
  • Fees may reduce earnings
  • Heritage Checking, Brilliant & Senior Accounts - Interest bearing, paid monthly on daily ledger balances when greater than $1,000
  • Heritage Health Savings Account - Interest bearing, paid monthly on daily ledger balances when greater than $500
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