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Interest Rates

Savings & Checking Rates

Today’s Date is April 1st, 2020

EFFECTIVE SINCE Thursday, March 19, 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              3.03% APY (Interest Rate: 2.99%)
  • Qualifying balances $25,000.01 and greater1     0.95% APY2
  • Base Interest Rate (non-qualifying)                  0.05% APY2

button-apply-now*Due to Federal Reserve rate reductions in March, our eCentive rate will be reduced as of April 1, 2020. Our current rates remain in effect through March 31, 2020. Rates advertised here are updated daily.

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

button-apply-nowbutton-apply-now-business

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

button-apply-nowbutton-apply-now-business

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

button-apply-nowbutton-apply-now-business

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

button-apply-nowbutton-apply-now-business

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

button-apply-nowbutton-apply-now-business

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 Thursday, March 19, 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 1.51% effective 03/02/2020