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Interest Rates

Today’s Date is May 27th, 2017

Savings &Checking Rates Information

INTEREST PAID ON CHECKING AND SAVINGS

EFFECTIVE SINCE Monday, May 1, 2017

Interest Rate(1) Annual Percentage Yield(2) Compound Minimum Balance to Obtain Annual Percentage Yield(3) Minimum Opening Balance

eCentive Account Base Interest Rate

0.05% 0.05%

Monthly

$.01

$100

eCentive Account Qualification Interest Rate(4)

1.25% 1.26%

Monthly

$.01

$100

eCentive Account $25K Qualification Interest Rate(4)

0.10% 0.10%

Monthly

$25,000

$100

Legacy Checking

0.08% 0.08%

Monthly

$1,000

$1,000

HeritageDirect Savings

0.25% 0.25%

Monthly

$1,000

$1,000

FlexGold Savings

0.10% 0.10%

Monthly

$1,000

$1,000

FlexGold Savings

0.10% 0.10%

Monthly

$25,000

$1,000

FlexGold Savings

0.15% 0.15%

Monthly

$50,000

$1,000

FlexGold Savings

0.20% 0.20%

Monthly

$99,000

$1,000

FlexGold Savings

0.30% 0.30%

Monthly

$199,000

$1,000

Universal Savings

0.08% 0.08%

Semi-Annual

$.01

$50

Health Savings Account (HSA)

0.10% 0.10%

Monthly

$.01

$50

Health Savings Account (HSA)

0.10% 0.10%

Monthly

$1,000

$50

Health Savings Account (HSA)

0.15% 0.15%

Monthly

$2,500

$50

Health Savings Account (HSA)

0.15% 0.15%

Monthly

$5,000

$50

Health Savings Account (HSA)

0.20% 0.20%

Monthly

$10,000

$50

Apply Now – Personal

Apply Now – Business

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

(1) Interest rates may change without notice after account is opened
(2) Fees may reduce earnings
(3) Based on daily collected (available) balance
(4) Must meet monthly account requirements to receive Qualification Interest Rate on balances up to $25,000. Balances over $25,000 will receive the $25K Qualification Interest Rate.

The current 91-DayT-Bill interest rate is 0.82% effective 5/1/2017.

CD Rates Information

INTEREST PAID ON CERTIFICATES OF DEPOSIT

EFFECTIVE SINCE Monday, May 1, 2017

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.

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. $40 minimum penalty.

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

Based on daily ledger balance.

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