Deposit Rates | Heritage Bank

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Rates

Check Out Our Latest CD Promo

NEW MONEY MARKET SPECIAL NOW LIVE

 

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

Deposit Accounts

Deposit Rates - January 5, 2023

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%

See below for information about the current Money Market Special.
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

0.10%

0.10%

IRA Savings Account

Deposit Amount

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 January 5, 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

0.05%

0.05%

1/2 of Term

32-90 Days

$1,500.00

0.10%

0.10%

15 Days

91-181 Days

$1,500.00

0.15%

0.15%

45 Days

182-364 Days

$1,500.00

0.20%

0.20%

3 Months

12 Months

$500.00

0.50%

0.50%

6 months

18 Months

$500.00

0.30%

0.30%

9 months

24 Months

$500.00

0.40%

0.40%

12 months

36 Months

$500.00

0.45%

0.45%

18 months

48 Months

$500.00

0.45%

0.45%

24 months

60 Months

$500.00

0.50%

0.50%

30 months

Day/YearTermMinimumPenaltyInterest Rate

Annual Percentage Yield

(APY)*

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

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

3.00%

3.05%

** 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.

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