Current Savings and Certificate Account rates as of January 6, 2020.
Certificates of Deposit
| Type | Interest Rate | APY |
| 6-month | 1.25% | 1.25% |
| 12-month | 1.50% | 1.50% |
| 18-month | 1.65% | 1.65% |
| 24-month | 1.65% | 1.65% |
| 36-month | 1.65% | 1.66% |
| 5-Year | 1.75 | 1.76 |
| Heritage CD* | 2.00% | 2.01% |
Minimum balance is $1,000, except a Heritage CD ($1 minimum)
Six-month certificates compound at maturity, all other certificates compound semi-annually. There may be penalties for early withdrawal from certificates.
*Variable rate. The interest rate on Heritage Certificate is a variable rate. APY is accurate as of January 17, 2018. No penalty for early withdrawal after child’s 18th birthday. Child must be 18 years or under at time of opening. 5 year term.
| Type | Interest Rate | APY |
| 24-month IRA* | 2.25% | 2.26% |
Minimum balance is $100.
*Variable Rate. Customers may choose a fixed rate from our 12, 18, or 24 month CD selection. There may be penalties for early withdrawal from retirement accounts.
Health Savings Account**
| Balance | Interest Rate | APY |
| up to $4,999 | 2.00% | 2.02% |
| $5,000 and above | 2.50% | 2.52% |
Deposit Accounts**
| Type | Interest Rate/APY | Minimum Balance |
| Premium Checking | 0.25% | $1,000 |
| 0.30% | $50,000 | |
| Passbook Savings* | 0.40% | $1 |
| Super Saver* | 0.35% | $1,000 |
| 0.40% | $10,000 | |
| 0.60% | $25,000 | |
| First-Time Homebuyer Savings Account | 2.00% | $100 |
Cornerstone Money Market Account**
| Balance | Interest Rate | APY |
| $5,000 – $19,999 | 0.60% | 0.60% |
| $20,000 – $49,999 | 0.75% | 0.75% |
| $50,000 and Above | 1.00% | 1.00% |
**The interest rate is variable and may be changed at our discretion.
APY = Annual Percentage Yield. Fees could reduce earnings. Withdrawal limitations apply.
Click here to learn more about the First-Time Homebuyer Savings Account.
Reward Checking
Reward checking customers receive 0.25% of eligible point of sale debit card transactions when a minimum of 10 debit card transactions are posted by the last business day of the month. The reward credit rate is subject to change. No minimum balance to open account.
FDIC – Federal Deposit Insurance Corporation. Each depositor insured up to $250,000.
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