Here. For Neighbors Ready To Put Their Money To Work.
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Deposit Accounts
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Deposit Rates - January 5, 2023
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Money Market Accounts
Deposit Amount
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Interest Rate
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Annual Percentage Yield (APY)*
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$0.01 - $9,999.99
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0.05%
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0.05%
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$10,000.00 - $24,999.99
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0.10%
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0.10%
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$25,000.00 and over
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0.15%
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0.15%
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See below for information about the current Money Market Special.
NOW Accounts and Heritage 50
Deposit Amount
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Interest Rate
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Annual Percentage Yield (APY)*
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$0.01 - $9,999.99
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0.05%
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0.05%
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$10,000.00 - $24,999.99
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0.10%
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0.10%
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$25,000.00 and over
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0.15%
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0.15%
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Legacy Small Business Checking Account
Deposit Amount
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Interest Rate
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Annual Percentage Yield (APY)*
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$10,000.00 and over no interest is paid on balances less than $10,000.00
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0.10%
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0.10%
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Savings Accounts
Deposit Amount
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Interest Rate
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Annual Percentage Yield (APY)*
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$100.00 and over no interest is paid on balances less than $100.00
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0.10%
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0.10%
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IRA Savings Account
Deposit Amount
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Interest Rate
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Annual Percentage Yield (APY)*
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$0.01 and over
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0.10%
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0.10%
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*APY is Annual Percentage Yield. Rates May Change. APY is accurate as of January 5, 2023. Fees may reduce earnings.
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Certificates of Deposit
CDs
Term
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Minimum Deposit to Open
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Interest Rate
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Annual Percentage Yield (APY)*
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Early Withdrawal Penalty
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7-31 Days
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$1,500.00
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0.05%
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0.05%
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1/2 of Term
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32-90 Days
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$1,500.00
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0.10%
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0.10%
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15 Days
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91-181 Days
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$1,500.00
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0.15%
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0.15%
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45 Days
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182-364 Days
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$1,500.00
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0.20%
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0.20%
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3 Months
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12 Months
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$500.00
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0.50%
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0.50%
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6 months
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18 Months
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$500.00
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0.30%
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0.30%
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9 months
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24 Months
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$500.00
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0.40%
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0.40%
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12 months
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36 Months
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$500.00
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0.45%
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0.45%
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18 months
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48 Months
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$500.00
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0.45%
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0.45%
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24 months
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60 Months
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$500.00
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0.50%
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0.50%
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30 months
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Day/Year | Term | Minimum | Penalty | Interest Rate |
Annual Percentage Yield
(APY)*
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CD Specials
365/366 |
10 Month |
$2,000.00 |
3 Months |
3.68% |
3.75% |
365/366 |
18 Month |
$2,000.00 |
9 Months |
3.20% |
3.25% |
*APY is Annual Percentage Yield. APY is accurate as of January 5, 2023. An early withdrawal penalty may be imposed. Public Funds ineligible for promotional CD rates.
Money Market Account Promo
Deposit Amount
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Interest Rate
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Annual Percentage Yield (APY)**
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$0.01 - $9,999.99 |
0.05% |
0.05% |
$10,000.00 - $24,999.99
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0.10%
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0.10%
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$25,000.00 and over
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3.00%
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3.05%
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** APY is the annual percentage yield and all APYs disclosed are accurate as of 1/5/2023. Fees may reduce earnings. The minimum balance is the amount of principal in the account each day. A $25,000 minimum deposit is required to open the promotional money market account. The account balance must stay at $25,000 or above to keep the Promotional Rate of 3.00% interest rate and 3.05% APY. 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 APYs 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 after account opening, your account balance is under $25,000 and receiving the regular rate, interest rates and APYs may change at any time. Member FDIC. Public Funds ineligible for the promotional Money Market.