Today’s Date is September 29, 2023.
Interest Rates Effective Since June 23, 2023.
DEPOSIT 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 | 0.14% APY2 |
| Base Interest Rate (non-qualifying) | 0.05% APY2 |
SAVING 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 |
| 230,000 min. balance | 3.02% APY2 |
| $100,000 min. balance | 2.04% APY2 |
| $0.01 min. balance | 1.01% APY2 |
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 |
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 |
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 |
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 |
| 5 Month Special (Interest Rate) |
Not available | 5.00% (4.93%) |
5.00% (4.93%) |
| 6 Month (Interest Rate) |
0.14% | 4.44% (4.39%) |
4.44% (4.39%) |
| 12 Month | 0.18% | 4.79% | 4.79% |
| 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% |
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.
CD Interest Rates Effective Since May 1, 2023.