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CD Rates

Today’s Date is Saturday, July 4, 2015

INTEREST PAID ON CERTIFICATES OF DEPOSIT EFFECTIVE SINCE Monday, June 1, 2015

Minimum Balance To Open the Account and To Obtain the Stated APY(1)
$2,000 $10,000 $25,000 $75,000
Term Interest RateAPY(1)Interest RateAPY(1)Interest RateAPY(1)Interest RateAPY(1)

3 Month*

0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10%

6 Month

0.14% 0.14% 0.14% 0.14% 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%

36 Month Option Plus*

 0.45%  0.55%  0.65%  0.65%

48 Month

 0.74%  0.84%  0.94%  0.94%

48 Month Option Plus*

 0.59%  0.69%  0.79%  0.79%

60 Month

 0.93%  1.03%  1.13%  1.13%

60 Month Option Plus*

 0.78%  0.88%  0.98%  0.98%

FOR CURRENT INTEREST RATES OR INFORMATION ON TERMS AND FEES CALL 800-344-7048 TO SPEAK TO A CUSTOMER SERVICE REPRESENTATIVE

When you purchase a certificate of deposit at Heritage Bank, you aren’t getting a ‘plain vanilla’ CD… our Triple Option CD offers:

  • Anytime, unlimited interest rate bump ups
  • Anytime additional deposits
  • Penalty-free withdrawals for medical expenses

Click here to learn more! 

*The 3 Month and the 36, 48 and 60 Month Option Plus Certificates are no longer offered as new accounts.

INTEREST RATES FOR CUSTOMERS WITH ANY TWO ADDITIONAL DEPOSIT AND/OR LOAN ACCOUNTS WILL INCREASE BY .25%. SOME EXCLUSIONS APPLY. SEE A CSR FOR DETAILS.

Penalty for early withdrawal: Penalty for six month term or less shall be three months loss of interest; greater than six months shall be six months loss of interest. $25 minimum penalty.

3 Month and 6 Month Certificates are compounded at maturity; 12 month – 60 month are compounded annually.

Based on daily ledger balance.

The current 3 Month T-Bill interest rate is 0.020% effective 05/01/2015.

(1): APY = Annual Percentage Yield. Fees may reduce earnings.