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Interest Rates

Savings & Checking Rates

Today’s Date is December 15th, 2018

EFFECTIVE SINCE Monday, December 3, 2018

eCentive Account

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

  • Qualifying balances starting at $0.011           3.33% APY (Interest Rate: 3.28%)
  • Qualifying balances over $25,0001                0.15% APY2
  • Base Interest Rate (non-qualifying)               0.05% APY2

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Jumbo Deposit Account

High interest savings rate for large balance accounts (learn more)
$1,000 minimum opening deposit ~ interest compounds monthly

  • $230,000 min. balance for APY                    1.61% APY2
  • $100,000 min. balance for APY                    1.51% APY2
  • $0.01 min. balance for APY                          0.10% APY2

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Heritage Direct Savings Account

Competitive savings rate exclusively for online and mobile banking customers (learn more)
$1,000 minimum opening deposit ~ interest compounds monthly

  • $1,000 min. balance for APY                        0.95% APY2

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FlexGold Account 

Tiered savings account for savers large and small (learn more)
$1,000 minimum opening deposit ~ interest compounds monthly

  • $199,000 min. balance for APY                    0.75% APY2
  • $99,000 min. balance for APY                      0.50% APY2
  • $50,000 min. balance for APY                      0.25% APY2
  • $25,000 min. balance for APY                      0.20% APY2
  • $1,000 min. balance for APY                        0.20% APY2

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Universal Savings Account

A basic savings account (learn more)
$50 minimum opening deposit ~ interest compounds quarterly

  • $0.01 min. balance for APY                          0.15% APY2

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Health Savings Account (HSA)

Designed for use with a high deductible health plan (learn more)
$50 minimum opening deposit ~ interest compounds monthly

  • $10,000 min. balance for APY                      0.50% APY2
  • $5,000 min. balance for APY                        0.35% APY2
  • $2,500 min. balance for APY                        0.30% APY2
  • $1,000 min. balance for APY                        0.25% APY2
  • $0.01 min. balance for APY                          0.15% APY2

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Legacy Checking

Traditional interest bearing checking account (learn more)
$1,000 minimum opening deposit ~ interest compounds monthly

  • $1,000 min. balance for APY                        0.15% APY2 

Stop in to any branch location to open a Legacy Checking Account.

Certificate of Deposit (CD) Rates

EFFECTIVE SINCE Monday, December 3, 2018

Triple Option CD

A certificate of deposit with flexibility (learn more)

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

3 Month 0.28% 0.28% 0.28% 0.28%
6 Month 0.85% 0.85% 0.85% 0.85%
12 Month 1.22% 1.22% 1.22% 1.22%
24 Month 1.71% 1.71% 1.71% 1.71%
36 Month 2.12% 2.22% 2.32% 2.32%
48 Month 1.87% 1.97% 2.07% 2.07%
60 Month 2.27% 2.37% 2.47% 2.47%

Option Plus CD

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

36 Month 1.97% 2.07% 2.17% 2.17%
48 Month 1.72% 1.82% 1.92% 1.92%
60 Month 2.12% 2.22% 2.32% 2.32%


1
Must meet monthly requirements to receive qualifying interest rates. Once you meet the monthly qualifications, interest will be recalculated at the appropriate rate and eligible fees will be refunded.

2 APY = annual percentage yield. Fees may reduce earnings
3 Minimum balance to open the account and to obtain the stated APY

The current 91-Day T-Bill interest rate is at 2.37% effective 12/03/2018