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Current Interest Rates

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Current Interest Rates

Today’s Date is November 28, 2022.

Interest Rates Effective Since Nov 7, 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

Qualifying balances $0.01 – $25,000¹	2.02% APY² (Interest Rate: 2.00%)
Qualifying balances $25,000.01 and greater¹	0.14% APY²
Base Interest Rate (non-qualifying)	0.05% APY²

APPLY FOR PERSONAL ACCOUNT

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

Qualifying balances $0.01 – $100,000¹	2.02% APY² (Interest Rate: 2.00%)
Qualifying balances $100,000.01 and greater¹	0.14% APY²
Base Interest Rate (non-qualifying)	0.05% APY²

APPLY FOR PERSONAL ACCOUNT

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 3.02% APY²
$100,000 min. balance for APY 2.04% APY²
$0.01 min. balance for APY 1.01% 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.

Certificates of Deposit (CD) Interest Rates

Triple Option CD

Certificates of deposit with flexibility (Learn More About Certificates of Deposit)
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	0.14%	0.39%	0.89%
12 Month	0.18%	3.33%	3.33%
24 Month	0.24%	2.05%	2.05%
36 Month	0.24%	2.10%	2.10%
48 Month	0.24%	2.15%	2.15%
60 Month	0.26%	2.20%	2.20%

CDs not available for new accounts

Term	$2,000 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%
Option Plus CD – 36 Month	0.09%	0.13%	0.15%
Option Plus CD – 48 Month	0.09%	0.13%	0.15%
Option Plus CD – 60 Month	0.11%	0.15%	0.17%

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.

The current 90-day SOFR + 15bps interest rate is at 2.76867%.

Interest Rates Effective Since Nov 7, 2022.

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