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Interest Rates

Savings & Checking Rates

Today’s Date is June 2nd, 2020

EFFECTIVE SINCE Monday June 1, 2020

eCentive Account

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

  • Qualifying balances $0.01 – $25,0001              1.53% APY (Interest Rate: 1.52%)
  • Qualifying balances $25,000.01 and greater1     0.53% 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                    1.01% APY2
  • $100,000 min. balance for APY                    0.53% APY2
  • $0.01 min. balance for APY                          0.03% 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                        0.33% 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                    0.23% APY2
  • $99,000 min. balance for APY                      0.19% APY2
  • $50,000 min. balance for APY                      0.18% APY2
  • $25,000 min. balance for APY                      0.09% APY2
  • $1,000 min. balance for APY                        0.03% 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                          0.09% 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                      0.19% APY2
  • $5,000 min. balance for APY                        0.14% APY2
  • $2,500 min. balance for APY                        0.09% APY2
  • $1,000 min. balance for APY                        0.06% APY2
  • $0.01 min. balance for APY                          0.03% 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                        0.04% APY2 

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

Certificate of Deposit (CD) Rates

EFFECTIVE SINCE Monday June 1, 2020

Triple Option CD

A certificate of deposit with flexibility (learn more)

Term $2,000

Min. Balance3

for APY4

$10,000

Min. Balance3

for APY4

$25,000

Min. Balance3

for APY4

$75,000

Min. Balance3

for APY4

3 Month 0.08% 0.08% 0.08% 0.08%
6 Month 0.14% 0.14% 0.14% 0.14%
12 Month 0.18% 0.18% 0.18% 0.18%
24 Month 0.24% 0.24% 0.24% 0.24%
36 Month 0.24% 0.26% 0.28% 0.30%
48 Month 0.24% 0.26% 0.28% 0.30%
60 Month 0.26% 0.28% 0.30% 0.32%

Option Plus CD

Not available for new accounts.

Term

$2,000

Min. Balance3

for APY4

$10,000

Min. Balance3

for APY4

$25,000

Min. Balance3

for APY4

$75,000

Min. Balance3

for APY4

36 Month 0.09% 0.11% 0.13% 0.15%
48 Month 0.09% 0.11% 0.13% 0.15%
60 Month 0.11% 0.13% 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

4 APY = annual percentage yield. Fees may reduce earnings.

The current 91-Day T-Bill interest rate is at .13% effective 06/01//2020