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Interest Rates

Savings & Checking Rates

Today’s Date is August 20th, 2017

EFFECTIVE SINCE Monday, August 7, 2017

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              1.25% APY2
  • Qualifying balances over $25,0001                0.10% 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                     1.30% APY2
  • $100,000 min. balance for APY                     1.20% 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                        0.25% 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                    0.30% APY2
  • $99,000 min. balance for APY                      0.20% APY2
  • $50,000 min. balance for APY                      0.15% APY2
  • $25,000 min. balance for APY                      0.10% APY2
  • $1,000 min. balance for APY                        0.10% 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                          0.08% 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                      0.20% APY2
  • $5,000 min. balance for APY                        0.15% APY2
  • $2,500 min. balance for APY                        0.15% APY2
  • $1,000 min. balance for APY                        0.10% APY2
  • $0.01 min. balance for APY                          0.10% 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                        0.08% APY2 

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

Certificate of Deposit (CD) Rates

EFFECTIVE SINCE Monday, August 7, 2017

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 0.10% 0.10% 0.10% 0.10%
6 Month 0.14% 0.14% 0.14% 0.14%
12 Month 0.23% 0.23% 0.23% 0.23%
24 Month 0.44% 0.44% 0.44% 0.44%
36 Month 0.60% 0.70% 0.80% 0.80%
48 Month 0.74% 0.84% 0.94% 0.94%
60 Month 0.93% 1.03% 1.13% 1.13%

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 0.45% 0.55% 0.65% 0.65%
48 Month 0.59% 0.69% 0.79% 0.79%
60 Month 0.78% 0.88% 0.98% 0.98%


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 1.070% effective 8/7/2017.