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Interest Rates

Savings & Checking Rates

Today’s Date is January 19th, 2020

EFFECTIVE SINCE Monday, January 6, 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     0.15% 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                    1.56% APY2
  • $100,000 min. balance for APY                    1.46% 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

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                      0.50% 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

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                        0.15% APY2 

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

Certificate of Deposit (CD) Rates

EFFECTIVE SINCE Monday, January 6, 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 0.28% 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 1.51% 1.51% 1.51% 1.51%
36 Month 1.56% 1.66% 1.76% 1.76%
48 Month 1.62% 1.72% 1.82% 1.82%
60 Month 1.77% 1.87% 1.97% 1.97%

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 1.41% 1.51% 1.61% 1.61%
48 Month 1.47% 1.57% 1.67% 1.67%
60 Month 1.62% 1.72% 1.82 1.82


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 1.52% effective 01/06/2020