Rates

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Deposit Accounts

Deposit Rates - Effective October 20, 2020

Money Market Accounts
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%

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.