Deposit Rates

Current Savings and Certificate Account rates as of January 1, 2022.

Certificates of Deposit

Type Interest Rate APY
12-month 0.30% 0.30%
18- month 0.40% 0.40%
24-month 0.50% 0.50%
36-month 0.60% 0.60%
5-Year 1.00% 1.00%
Heritage CD* 1.35% 1.36%
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 March 19, 2020. 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* 1.25% 1.26%
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 1.25% 1.26%
$5,000 and above 1.25% 1.26%

Deposit Accounts**

Type Interest Rate/APY Minimum Balance
Premium Checking 0.10% $1,000
0.15% $50,000
Passbook Savings* 0.15% $1
Super Saver* 0.15% $1,000
0.25% $10,000
0.35% $25,000
 First-Time Homebuyer Savings Account 1.00%  $100

Cornerstone Money Market Account**

Balance Interest Rate APY
$5,000 – $19,999 0.10% 0.10%
$20,000 – $49,999 0.20% 0.20%
$50,000 and Above 0.25% 0.25%
**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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