Deposit Rates

Current Savings and Certificate Account rates as of January 7, 2019.

Certificates of Deposit

Type Interest Rate APY
6-month 1.25% 1.25%
12-month 1.40% 1.40%
18-month 1.55% 1.55%
24-month 1.70% 1.70%
36-month 2.00% 2.01%
5-Year 2.25% 2.26%
Heritage CD* 2.25% 2.26%
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.

 

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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