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Due to winter weather conditions, all of our Iowa locations are closed today. Other Employee Owners are available to assist you by calling 1-800-344-7048.

Interest Rates

Savings & Checking Rates

Today’s Date is January 22nd, 2018

EFFECTIVE SINCE Tuesday, January 2, 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 up to $25,0001              1.41% APY2
  • 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                     1.41% APY2
  • $100,000 min. balance for APY                     1.31% 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                        0.40% 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                    0.40% APY2
  • $99,000 min. balance for APY                      0.30% 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                      0.24% APY2
  • $5,000 min. balance for APY                        0.19% APY2
  • $2,500 min. balance for APY                        0.19% APY2
  • $1,000 min. balance for APY                        0.14% APY2
  • $0.01 min. balance for APY                          0.14% 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 Tuesday, January 9, 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 0.48% 0.48% 0.48% 0.48%
12 Month 0.65% 0.65% 0.65% 0.65%
24 Month 1.11% 1.11% 1.11% 1.11%
36 Month 1.19% 1.29% 1.39% 1.39%
48 Month 1.33% 1.43% 1.53% 1.53%
60 Month 1.64% 1.74% 1.84% 1.84%

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 1.04% 1.14% 1.24% 1.24%
48 Month 1.18% 1.28% 1.38% 1.38%
60 Month 1.49% 1.59% 1.69% 1.69%


1
Must meet monthly requirements to receive qualifying interest rates.
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 1.355% effective 01/02/2018.