Today’s Date is August 14, 2022.
Interest Rates Effective Since August 10, 2022.
Savings & Checking Interest Rates
eCentive® Account
Checking & debit card account with premium interest rates when qualifications are met (Learn More About eCentive Accounts)
$100 minimum opening deposit ~ interest compounds monthly
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1.52% APY2 (Interest Rate: 1.51%) |
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0.14% APY2 |
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0.05% APY2 |
eCentive® Elite Account
Checking & debit card account with premium interest rates when qualifications are met (Learn More About eCentive Elite Accounts)
$100 minimum opening deposit ~ interest compounds monthly
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1.52% APY2 (Interest Rate: 1.51%) |
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0.14% APY2 |
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0.05% APY2 |
Jumbo Deposit Account
High interest savings rate for large balance accounts (Learn More About Jumbo Savings Accounts)
$1,000 minimum opening deposit ~ interest compounds monthly
- $230,000 min. balance for APY 1.32% APY2
- $100,000 min. balance for APY 1.24% APY2
- $0.01 min. balance for APY 0.01% APY2
APPLY FOR PERSONAL ACCOUNT APPLY FOR BUSINESS ACCOUNT
Heritage Direct Savings Account
Competitive savings rate exclusively for Digital Banking customers (Learn More About Heritage Direct Savings Accounts)
$1,000 minimum opening deposit ~ interest compounds monthly
- $1,000 min. balance for APY 0.14% APY2
APPLY FOR PERSONAL ACCOUNT APPLY FOR BUSINESS ACCOUNT
FlexGold Account
Tiered savings account for savers large and small (Learn More About Flex Gold Savings Accounts)
$1,000 minimum opening deposit ~ interest compounds monthly
- $199,000 min. balance for APY 0.14% APY2
- $99,000 min. balance for APY 0.09% APY2
- $50,000 min. balance for APY 0.07% APY2
- $25,000 min. balance for APY 0.05% APY2
- $1,000 min. balance for APY 0.01% APY2
APPLY FOR PERSONAL ACCOUNT APPLY FOR BUSINESS ACCOUNT
Universal Savings Account
A basic savings account (Learn More About Universal Savings Accounts)
$50 minimum opening deposit ~ interest compounds quarterly
- $0.01 min. balance for APY 0.05% APY2
APPLY FOR PERSONAL ACCOUNT APPLY FOR BUSINESS ACCOUNT
Health Savings Account (HSA)
Designed for use with a high deductible health plan (Learn More About Health Savings Accounts)
$50 minimum opening deposit ~ interest compounds monthly
- $10,000 min. balance for APY 0.14% APY2
- $5,000 min. balance for APY 0.09% APY2
- $2,500 min. balance for APY 0.05% APY2
- $1,000 min. balance for APY 0.03% APY2
- $0.01 min. balance for APY 0.01% APY2
APPLY FOR PERSONAL ACCOUNT APPLY FOR BUSINESS ACCOUNT
Legacy Checking
Traditional interest bearing checking account
$1,000 minimum opening deposit ~ interest compounds monthly
- $1,000 min. balance for APY 0.01% APY2
Stop in to any branch location to open a Legacy Checking Account.
Certificate of Deposit (CD) Interest Rates
Triple Option CD
A certificate of deposit with flexibility (Learn More About Certificate of Deposits)
Rates also apply to IRAs
| Term | $2,000 Min. Balance3 for APY2 |
$10,000 Min. Balance3 for APY2 |
$25,000 Min. Balance3 for APY2 |
$75,000 Min. Balance3 for APY2 |
| 6 Month | 0.14% | 0.24% | 0.39% | 0.89% |
| 12 Month | 0.18% | 0.28% | 2.09% | 2.09% |
| 24 Month | 0.24% | 0.34% | 1.55% | 1.55% |
| 36 Month | 0.24% | 0.36% | 1.60% | 1.60% |
| 48 Month | 0.24% | 0.36% | 1.65% | 1.65% |
| 60 Month | 0.26% | 0.38% | 1.70% | 1.70% |
CDs not available for new accounts
| Term | $2,000 Min. Balance3 for APY2 |
$10,000 Min. Balance3 for APY2 |
$25,000 Min. Balance3 for APY2 |
$75,000 Min. Balance3 for APY2 |
| Triple Option CD – 3 Month | 0.08% | 0.08% | 0.08% | 0.08% |
| Option Plus CD – 36 Month | 0.09% | 0.11% | 0.13% | 0.15% |
| Option Plus CD – 48 Month | 0.09% | 0.11% | 0.13% | 0.15% |
| Option Plus CD – 60 Month | 0.11% | 0.13% | 0.15% | 0.17% |
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.
The current 90-day SOFR + 15bps interest rate is at 1.32456%.
Interest Rates Effective Since August 10, 2022.