Heritage Bank Term Deposit Rates

Savings & Checking Rates

Today’s Date is March 6th, 2021

Rates are effective as of 2/25/ 2021 rates may change after the account is opened Fees may reduce earnings; Heritage Checking, Brilliant & Senior Accounts - Interest bearing, paid monthly on daily ledger. Key features With the Heritage Bank Term Deposit you’ll be able to invest as little as $1,000 for between one month and five years. You’ll also be looking at rates of between 0.20% p.a.

Rate

EFFECTIVE SINCE Friday February 19, 2021

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 1.02% APY2 (Interest Rate: 1.01%)
  • Qualifying balances $25,000.01 and greater1 0.19% APY2
  • Base Interest Rate (non-qualifying) 0.05% APY2

Jumbo Deposit Account

Heritage Bank Term Deposit Rates

High interest savings rate for large balance accounts (learn more)
$1,000 minimum opening deposit ~ interest compounds monthly

Bank Term Deposit Rates Australia

Heritage
  • $230,000 min. balance for APY 0.37% APY2
  • $100,000 min. balance for APY 0.19% APY2
  • $0.01 min. balance for APY 0.03% APY2

Heritage Direct Savings Account

Competitive savings rate exclusively for Digital Banking customers (learn more)
$1,000 minimum opening deposit ~ interest compounds monthly

  • $1,000 min. balance for APY 0.19% APY2

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 0.19% APY2
  • $99,000 min. balance for APY 0.15% APY2
  • $50,000 min. balance for APY 0.14% APY2
  • $25,000 min. balance for APY 0.05% APY2
  • $1,000 min. balance for APY 0.01% APY2

Universal Savings Account

A basic savings account (learn more)
$50 minimum opening deposit ~ interest compounds quarterly

  • $0.01 min. balance for APY 0.05% APY2

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 0.16 APY2
  • $5,000 min. balance for APY 0.11% APY2
  • $2,500 min. balance for APY 0.06% APY2
  • $1,000 min. balance for APY 0.03% APY2
  • $0.01 min. balance for APY 0.01% APY2

Legacy Checking

Traditional interest bearing checking account (learn more)
$1,000 minimum opening deposit ~ interest compounds monthly

  • $1,000 min. balance for APY 0.04% APY2

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

Certificate of Deposit (CD) Rates

EFFECTIVE SINCE Friday February 19, 2021

Triple Option CD

A certificate of deposit with flexibility (learn more)
Rates also apply to IRAs

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

6 Month0.14%0.14%0.14%0.14%
12 Month0.18%0.18%0.18%0.18%
24 Month0.24%0.24%0.24%0.24%
36 Month0.24%0.26%0.28%0.30%
48 Month0.24%0.26%0.28%0.30%
60 Month0.26%0.28%0.30%0.32%

CDs 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

Triple Option CD – 3 Month0.08%0.08%0.08%0.08%
Option Plus CD – 36 Month0.09%0.11%0.13%0.15%
Option Plus CD – 48 Month0.09%0.11%0.13%0.15%
Option Plus CD – 60 Month0.11%0.13%0.15%0.17%


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 .03% effective 03/01/2021

Here. For Neighbors Ready To Put Their Money To Work.

Deposit Accounts

Deposit Rates - Effective October 20, 2020

Money Market Accounts

Deposit Amount

Interest Rate

Annual Percentage Yield (APY)* Virtual casino no deposit bonus 2019 2020.

$0.01 - $9,999.99

0.05%

0.05%

$10,000.00 - $24,999.99

0.10%

0.10%

$25,000.00 and over

0.15%

0.15%

NOW Accounts and Heritage 50

Deposit Amount

Interest Rate

Annual Percentage Yield (APY)*

$0.01 - $9,999.99

0.05%

0.05%

$10,000.00 - $24,999.99

0.10%

0.10%

$25,000.00 and over

0.15%

0.15%

Legacy Small Business Checking Account

Deposit Amount

Interest Rate

Annual Percentage Yield (APY)*

$10,000.00 and over
no interest is paid on balances less than $10,000.00

0.10%

0.10%

Savings Accounts

Deposit Amount

Interest Rate

Annual Percentage Yield (APY)*

$100.00 and over
no interest is paid on balances less than $100.00

0.05%

0.05%

IRA Savings Account

Deposit Amount

Interest Rate

Annual Percentage Yield (APY)*

$0.01 and over

0.10%

0.10%

Certificates of Deposit

CODs

Term

Minimum Deposit to Open

Interest Rate

Annual Percentage Yield (APY)*

Early Withdrawal Penalty

7-31 Days

$1,500.00

0.10%

0.10%

1/2 of Term

32-90 Days

$1,500.00

0.15%

0.15%

15 Days

91-181 Days

$1,500.00

0.20%

0.20%

45 Days

182-364 Days

$1,500.00

0.25%

0.25%

3 Months

12 Months

$500.00

0.35%

0.35%

6 months

18 Months

$500.00

0.40%

0.40%

9 months

24 Months

$500.00

0.50%

0.50%

12 months

36 Months

$500.00

0.55%

0.55%

18 months

48 Months

$500.00

0.55%

0.55%

24 months

60 Months

$500.00

0.60%

0.60%

30 months

*Annual Percentage Yields (APY’s) are accurate as of 10/20/2020. $50 minimum deposit required to open a checking or savings account. Rates may change after account opening. Fees may reduce earnings. On Certificates of Deposit, an early withdrawal penalty will apply, as noted on each product above.