Today's Date is Thursday, May 15, 2008

INTEREST PAID ON CERTIFICATES OF DEPOSIT EFFECTIVE SINCE Thursday, May 01, 2008

For complete information on Heritage Bank CDs, click here.

APY = Annual Percentage Yield. Fees may reduce earnings.

$1,000 CD

91 day
1.66% APY

182 day
1.91% APY

12 month
1.90% APY

24 month
1.90% APY

24 month variable(1)
1.00% APY

36 month
2.10% APY

36 month Option Plus⁽²⁾
1.95% APY

48 month
2.10% APY

48 month Option Plus⁽²⁾
1.95% APY

60 month
2.10% APY

60 month Option Plus⁽²⁾
1.95% APY

$10,000 CD

91 day
1.76% APY

182 day
2.01% APY

12 month
2.00% APY

24 month
2.00% APY

24 month variable⁽¹⁾
1.10% APY

36 month
2.20% APY

36 month Option Plus⁽²⁾
2.05% APY

48 month
2.20% APY

48 month Option Plus⁽²⁾
2.05% APY

60 month
2.20% APY

60 month Option Plus⁽²⁾
2.05% APY

$50,000 CD

91 day
2.02% APY

182 day
2.26% APY

12 month
2.25% APY

24 month
2.25% APY

24 month variable⁽¹⁾
1.35% APY

36 month
2.45% APY

36 month Option Plus⁽²⁾
2.30% APY

48 month
2.45% APY

48 month Option Plus⁽²⁾
2.30% APY

60 month
2.45% APY

60 month Option Plus⁽²⁾
2.30% APY

$75,000 CD

91 day
2.27% APY

182 day
2.52% APY

12 month
2.50% APY

24 month
2.50% APY

36 month
2.70% APY

36 month Option Plus⁽²⁾
2.55% APY

48 month
2.70% APY

48 month Option Plus⁽²⁾
2.55% APY

60 month
2.70% APY

60 month Option Plus⁽²⁾
2.55% APY

 

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) Rates may change monthly after account is opened based on the 91 Day T-Bill rate. Current Rate for 91 Day Treasury Bill is 1.50% (effective Monday May 05, 2008). 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.

(2) 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