Today’s date is December 7, 2025.
DEPOSIT ACCOUNTS
CHECKING ACCOUNTS
eCENTIVE® CHECKING ACCOUNT
Checking & debit card account with premium interest rates when qualifications are met.
$100 minimum opening deposit ~ interest compounds monthly.
| Qualifying Balances | Annual Percentage Yield |
| $0.01 – $100,0001 | 2.02% APY2 (Interest Rate: 2.00%) |
| $100,000.01 and greater1 | 2.02% - 0.89% APY2 (Interest Rate: 0.14%) |
| Non-qualifying balances | 0.05% APY2 |
eCentive rates effective as of December 1, 2025.
PAYROLL PLUS CHECKING ACCOUNT
Earn 3.54% APY2 with our highest interest checking account when qualifications are met.
$100 minimum opening deposit ~ interest compounds monthly.
| Qualifying Balances | Annual Percentage Yield |
| $0.01 – $100,0001 | 3.54% APY2 (Interest Rate: 3.47%) |
| $100,000.01 and greater1 | 3.54% - 1.50% APY2 (Interest Rate: 0.14%) |
| Non-qualifying balances | 0.05% APY2 |
Payroll Plus rates effective as of December 1, 2025.
SAVINGS ACCOUNTS
JUMBO SAVINGS ACCOUNT
High interest savings rate for large balance accounts.
$1,000 minimum opening deposit ~ interest compounds monthly.
| Qualifying Balances | Annual Percentage Yield |
| $230,000 min. balance | 3.02% APY2 (Interest Rate: 2.98%) |
| $100,000 min. balance | 1.53% APY2 (Interest Rate: 1.52%) |
| $0.01 min. balance | 0.51% APY2 |
Jumbo Deposit rates effective as of December 1, 2025.
Important Rate Information with the IntraFi Cash Service (ICS)® option: Funds on deposit in the ICS® option will accrue interest independent of any balance in the Jumbo Deposit Account. The interest rates and tiers in the ICS® option are the same as those listed on the Jumbo Deposit Account Product Disclosure and Rate Sheet Addendum.
Heritage Direct Savings Account
Competitive savings rate exclusively for Digital Banking customers.
$1,000 minimum opening deposit ~ interest compounds monthly.
| Qualifying Balances | Annual Percentage Yield |
| $1,000 min. balance | 0.14% APY2 |
Heritage Direct rates effective as of December 1, 2025.
Universal Savings Account
A basic savings account.
$50 minimum opening deposit ~ interest compounds quarterly.
| Qualifying Balances | Annual Percentage Yield |
| $0.01 min. balance | 0.05% APY2 |
Universal Savings Account rates effective as of December 1, 2025.
Health Savings Account (HSA)
Designed for use with a high deductible health plan.
$50 minimum opening deposit ~ interest compounds monthly.
| Qualifying Balances | Annual Percentage Yield |
| $5,000 min. balance | 2.02% APY2 (Interest Rate: 2.00%) |
| $.01 to $4,999.99 balance | 0.51% APY2 |
Health Savings Account rates effective as of December 1, 2025.
CERTIFICATES OF DEPOSIT (CD)
TRIPLE OPTION CD
Certificates of deposit with flexibility.
Rates also apply to IRAs.
| Term | $2,000 Min. Balance3 for APY2 | $25,000 Min. Balance3 for APY2 | $75,000 Min. Balance3 for APY2 |
| 6 Month (Interest Rate) | 2.85% APY 2 (2.83%) | 2.85% APY 2 (2.83%) | 2.85% APY 2 (2.83%) |
| 9 Month special (Interest Rate) | 3.50% APY 2 (3.48%) | 3.50% APY 2 (3.48%) | 3.50% APY 2 (3.48%) |
| 12 Month | 3.25% APY 2 | 3.25% APY 2 | 3.25% APY 2 |
| 24 Month | 1.05% APY 2 | 2.05% APY 2 | 2.80% APY 2 |
| 36 Month | 1.10% APY 2 | 2.10% APY 2 | 2.85% APY 2 |
| 48 Month | 1.15% APY 2 | 2.15% APY 2 | 2.90% APY 2 |
| 60 Month | 1.20% APY 2 | 2.20% APY 2 | 2.95% APY 2 |
CD rates effective as of December 1, 2025.
Standard early withdrawal penalty (excluding withdrawals for medical expenses)
- Maturity of six months or less: Three months loss of interest
- Maturity of greater than six months: Six months loss of interest
- Minimum penalty: $40.00
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.