Heritage Bank - CD Rates

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Rates CD Rates

CD Rates

Today's Date is Thursday, September 02, 2010

INTEREST PAID ON CERTIFICATES OF DEPOSIT
EFFECTIVE SINCE Monday, August 30, 2010

For complete information on Heritage Bank CDs, click here.

	Minimum Balance To Open the Account and To Obtain the Stated APY⁽¹⁾
	$1,000		$10,000		$50,000		$75,000
Term	Interest Rate	APY⁽¹⁾	Interest Rate	APY⁽¹⁾	Interest Rate	APY⁽¹⁾	Interest Rate	APY⁽¹⁾
91 Day	0.10%	0.10%	0.20%	0.20%	0.30%	0.31%	0.30%	0.31%
182 Day	0.40%	0.40%	0.50%	0.50%	0.60%	0.60%	0.60%	0.60%
12 Month		0.55%		0.65%		0.75%		0.75%
24 Month		1.00%		1.10%		1.20%		1.20%
24 Month Variable ⁽²⁾		0.14%		0.24%		0.34%
36 Month		1.30%		1.40%		1.50%		1.50%
36 Month Option Plus⁽³⁾		1.15%		1.25%		1.35%		1.35%
48 Month		1.60%		1.70%		1.80%		1.80%
48 Month Option Plus⁽³⁾		1.45%		1.55%		1.65%		1.65%
60 Month		1.90%		2.00%		2.10%		2.10%
60 Month Option Plus ⁽³⁾		1.75%		1.85%		1.95%		1.95%

RATES FOR CUSTOMERS WITH ANY TWO ADDITIONAL DEPOSIT AND/OR LOAN ACCOUNTS WILL INCREASE BY .25%

Penalty for early withdrawal: Penalty for one year or less shall be three months loss of interest; greater than one year shall be six months loss of interest. $10 minimum penalty.

91 Day and 182 Day Certificates are compounded at maturity; 12 month – 60 month are compounded annually.

IRAs earn .25% more than the above posted interest rates.

Based on daily ledger balance.

(1): APY = Annual Percentage Yield. Fees may reduce earnings.

(2): Rates may change monthly after account is opened based on the 91 Day T-Bill rate. Current Rate for 91 Day Treasury Bill is 0.14% (effective Monday August 02, 2010). Tier 1 is -.50% below the listed T-Bill rate, Tier 2 is -.40% below the listed T-Bill rate, and Tier 3 is -.15% below the listed T-Bill rate.

(3): Option Plus: One time during the term of the certificate and subsequent terms, a customer may request their rate be changed to the current posted rate for the same term.

FOR CURRENT RATE INFORMATION CALL: 320-235-5720 OR 800-344-7048

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