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Interest Rates

Savings & Checking Rates

Today’s Date is July 26th, 2017

EFFECTIVE SINCE Wednesday, July 5, 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

button-apply-nowbutton-apply-now-business

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

button-apply-nowbutton-apply-now-business

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

button-apply-nowbutton-apply-now-business

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

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                      0.20% 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

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                        0.08% APY2 

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

Certificate of Deposit (CD) Rates

EFFECTIVE SINCE Wednesday, July 5, 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

Savings & Checking Rates Information

INTEREST PAID ON CHECKING AND SAVINGS

EFFECTIVE SINCE Wednesday, July 5, 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

Jumbo Deposit Account

0.10%

0.10%

Monthly

$.01

$10,000

Jumbo Deposit Account

1.20%

1.20%

Monthly

$100,000

$10,000

Jumbo Deposit Account

1.30%

1.30%

Monthly

$230,000

$10,000

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 1.00% effective 7/5/2017.

CD Rates Information

INTEREST PAID ON CERTIFICATES OF DEPOSIT

EFFECTIVE SINCE Wednesday, July 5, 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.