Rates

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Deposit Accounts

Deposit Rates - March 23, 2023

Money Market Accounts
Daily Balance	Interest Rate	Annual Percentage Yield (APY)*
$0.01 - $9,999.99	0.35%	0.35%
$10,000.00 - $24,999.99	0.45%	0.45%
$25,000.00 and over	0.55%	0.55%

See below for information about the current Money Market Special.

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 March 23, 2023. 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	1.44%	1.45%	18 months
48 Months	$500.00	1.44%	1.45%	24 months
60 Months	$500.00	1.49%	1.50%	30 months

CD Specials
Day/Year	Term	Minimum	Penalty	Interest Rate	Annual Percentage Yield (APY)*
365/366	10 Month	$2,000.00	3 Months	4.40%	4.50%
365/366	18 Month	$2,000.00	9 Months	3.44%	3.50%

*APY is Annual Percentage Yield. APY is accurate as of March 23, 2023. An early withdrawal penalty may be imposed. Public Funds ineligible for promotional CD rates.

Money Market Account Promo
Daily Balance	Interest Rate	Annual Percentage Yield (APY)*
$0.01 - $9,999.99	0.35%	0.35%
$10,000.00 - $24,999.99	0.45%	0.45%
$25,000.00 - $99,999.99	3.00%	3.05%
$100,000.00 and over	3.20%	3.25%

* APY is the annual percentage yield and all APYs disclosed are accurate as of March 23, 2023. Fees may reduce earnings. The minimum balance is the amount of principal in the account each day. A $25,000.00 minimum deposit is required to open the promotional money market account. In order to qualify for the Promotional Rate Tier of 3.00% interest rate and 3.05% APY you must keep a balance from $25,000.00 to $99,999.99 in your account. In order to qualify for the Promotional Rate Tier of 3.20% interest rate and 3.25% APY you must keep a balance of $100,000.00 or more in your account. The promotional rate is only available for new money, which is funds not on deposit at Heritage Bank within the last 12 months, deposited into a new promotional money market account at Heritage Bank. Stated APY’s will be paid on qualifying balances for 180 days from the date of account opening. After 180 days, all balances will be subject to the non-promotional variable rates being paid at that time on the Heritage Bank Money Market Account. When your balance falls into a particular rate tier, your entire balance will earn the applicable rate in effect for that tier. If your balance falls below $25,000.00 you will receive the regular variable Heritage Bank Money Market rates of $0.01 to $9,999.99, which will earn 0.35% APY; and balances of $10,000.00 to $24,999.99, which will earn 0.45% APY. If after account opening, your account balance is under $25,000.00 and receiving the regular rate, interest rates and APYs may change at any time. Member FDIC. Public Funds ineligible for the promotional Money Market.