Current Savings and Certificate Account rates as of April 16, 2018
Certificates of Deposit
| Type | Interest Rate | APY |
| 6-month | 0.75% | 0.75% |
| 12-month | 1.15% | 1.15% |
| 18-month | 1.30% | 1.30% |
| 24-month | 1.45% | 1.45% |
| 36-month | 1.65% | 1.65% |
| 5-Year | 2.00% | 2.01% |
| Heritage CD* | 2.00% | 2.01% |
Minimum balance is $1,000, except a Heritage CD ($1 minimum) and 19 month special at 1.70%, minimum new money deposit of $5,000.
Six-month certificates compound at maturity, all other certificates compound semi-annually. There may be penalties for early withdrawal from certificates.
*Variable rate. 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.
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% |
*FDIC – Federal Deposit Insurance Corporation. Each depositor insured up to $250,000.
**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.
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