Current Interest Rates - Heritage Bank NA

DEPOSIT ACCOUNTS

CHECKING ACCOUNTS

eCENTIVE® CHECKING ACCOUNT

Checking & debit card account with premium interest rates when qualifications are met.
$100 minimum opening deposit ~ interest compounds monthly.

Qualifying Balances	Annual Percentage Yield
$0.01 – $100,000¹	2.02% APY² (Interest Rate: 2.00%)
$100,000.01 and greater¹	2.02% - 0.89% APY² (Interest Rate: 0.14%)
Non-qualifying balances	0.05% APY²

eCentive rates effective as of December 1, 2024.

PAYROLL PLUS CHECKING ACCOUNT

Earn 4.04% APY² with our highest interest checking account when qualifications are met.
$100 minimum opening deposit ~ interest compounds monthly.

Qualifying Balances	Annual Percentage Yield
$0.01 – $100,000¹	4.04% APY² (Interest Rate: 3.97%)
$100,000.01 and greater¹	4.04% - 0.89% APY² (Interest Rate: 0.14%)
Non-qualifying balances	0.05% APY²

Payroll Plus rates effective as of December 1, 2024.

SAVINGS ACCOUNTS

JUMBO SAVINGS ACCOUNT

High interest savings rate for large balance accounts.
$1,000 minimum opening deposit ~ interest compounds monthly.

Qualifying Balances	Annual Percentage Yield
$2,000,000 min. balance	3.75% APY² (Interest Rate: 3.69%)
$230,000 min. balance	3.02% APY² (Interest Rate: 2.98%)
$100,000 min. balance	2.04% APY²
$0.01 min. balance	1.01% APY²

Jumbo Deposit rates effective as of December 1, 2024.

Heritage Direct Savings Account

Competitive savings rate exclusively for Digital Banking customers.
$1,000 minimum opening deposit ~ interest compounds monthly.

Qualifying Balances	Annual Percentage Yield
$1,000 min. balance	0.14% APY²

Heritage Direct rates effective as of December 1, 2024.

Universal Savings Account

A basic savings account.
$50 minimum opening deposit ~ interest compounds quarterly.

Qualifying Balances	Annual Percentage Yield
$0.01 min. balance	0.05% APY²

Universal Savings Account rates effective as of December 1, 2024.

Health Savings Account (HSA)

Designed for use with a high deductible health plan.
$30 minimum opening deposit ~ interest compounds monthly.

Qualifying Balances	Annual Percentage Yield
$5,000 min. balance	3.02% APY²
$.01 to $4,999.99 balance	1.01% APY²

Health Savings Account rates effective as of December 1, 2024.

CERTIFICATES OF DEPOSIT (CD)

TRIPLE OPTION CD

Certificates of deposit with flexibility.
Rates also apply to IRAs.

Term	$2,000 Min. Balance³ for APY²	$25,000 Min. Balance³ for APY²	$75,000 Min. Balance³ for APY²
6 Month (Interest Rate)	4.61% APY ² (4.56%)	4.61% APY ² (4.56%)	4.61% APY ² (4.56%)
12 Month	4.15% APY ²	4.15% APY ²	4.15% APY ²
24 Month	1.05% APY ²	2.05% APY ²	3.05% APY ²
36 Month	1.10% APY ²	2.10% APY ²	3.10% APY ²
48 Month	1.15% APY ²	2.15% APY ²	3.15% APY ²
60 Month	1.20% APY ²	2.20% APY ²	3.20% APY ²

CD rates effective as of December 1, 2024.

Standard early withdrawal penalty (excluding withdrawals for medical expenses)

Maturity of six months or less: Three months loss of interest
Maturity of greater than six months: Six months loss of interest
Minimum penalty: $40.00

¹ Must meet monthly requirements to receive qualifying interest rates. Once you meet the monthly qualifications, interest will be recalculated at the appropriate interest rate and eligible fees will be refunded.
² APY = annual percentage yield. Fees may reduce earnings. Interest rate may change after the account is opened.
³ Minimum balance to open the account and to obtain the stated APY.

Everything You Need to Know About a Health Savings Account (HSA)
September 12, 2024