Deposit Products & Deposit Rates

Savings, CDs, IRAs

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Deposit Accounts

Deposit Rates - February 11, 2025

Money Market Accounts
Daily Balance	Interest Rate	Annual Percentage Yield (APY)*
$0.01 - $9,999.99	0.55%	0.55%
$10,000.00 - $24,999.99	0.75%	0.75%
$25,000.00 - $99,999.99	1.00%	1.01%
$100,000.00 - $249,999.99	1.75%	1.77%
$250,000.00 - $499,999.99	2.00%	2.02%
$500,000.00 and Over	2.50%	2.53%

NOW Accounts and Heritage 50
Daily Balance	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
Daily Balance	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
Daily Balance	Interest Rate	Annual Percentage Yield (APY)*
$100.00 and over no interest is paid on balances less than $100.00	0.10%	0.10%

IRA Savings Account
Daily Balance	Interest Rate	Annual Percentage Yield (APY)*
$0.01 and over	0.10%	0.10%

*APY is Annual Percentage Yield. Rates May Change. APY is accurate as of February 11, 2025. Fees may reduce earnings.

Certificates of Deposit

CDs
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	0.20%	0.20%	15 Days
91-181 Days	$1,500.00	0.30%	0.30%	45 Days
182-364 Days	$1,500.00	0.40%	0.40%	3 Months
12 Months	$500.00	1.49%	1.50%	6 months
18 Months	$500.00	1.29%	1.30%	9 months
24 Months	$500.00	1.39%	1.40%	12 months
36 Months	$500.00	2.50%	2.53%	18 months
48 Months	$500.00	2.50%	2.53%	24 months
60 Months	$500.00	2.50%	2.53%	30 months

CD Specials
Day/Year	Term	Minimum	Penalty	Interest Rate	Annual Percentage Yield (APY)*
365/366	3 Months	$2,000.00	45 Days	2.96%	3.00%
365/366	11 Months	$2,000.00	3 Months	4.02%	4.10%
365/366	15 Months	$2,000.00	6 Months	3.44%	3.50%

*APY is Annual Percentage Yield. APY is accurate as of February 11, 2025. An early withdrawal penalty may be imposed. Public Funds ineligible for promotional CD rates.