Heritage Bank Term Deposit Rates

NOW Accounts and Heritage 50; Deposit Amount. Annual Percentage Yield (APY). $0.01 - $9,999.99. $10,000.00 - $24,999.99. The above Term Deposit rates are available online and in branch for personal customers with a maximum limit of $1,999,999 per customer. For amounts greater than $1,999,999 or for Business Term Deposits.

Savings & Checking Rates

Today’s Date is March 6th, 2021

EFFECTIVE SINCE Friday February 19, 2021

eCentive Account

Checking & debit card account with premium rates when qualifications are met (learn more)
$100 minimum opening deposit ~ interest compounds monthly

  • Qualifying balances $0.01 – $25,0001 1.02% APY2 (Interest Rate: 1.01%)
  • Qualifying balances $25,000.01 and greater1 0.19% APY2
  • Base Interest Rate (non-qualifying) 0.05% APY2

Jumbo Deposit Account

High interest savings rate for large balance accounts (learn more)
$1,000 minimum opening deposit ~ interest compounds monthly

Heritage
  • $230,000 min. balance for APY 0.37% APY2
  • $100,000 min. balance for APY 0.19% APY2
  • $0.01 min. balance for APY 0.03% APY2

Heritage Direct Savings Account

Competitive savings rate exclusively for Digital Banking customers (learn more)
$1,000 minimum opening deposit ~ interest compounds monthly

  • $1,000 min. balance for APY 0.19% APY2

FlexGold Account

Tiered savings account for savers large and small (learn more)
$1,000 minimum opening deposit ~ interest compounds monthly

  • $199,000 min. balance for APY 0.19% APY2
  • $99,000 min. balance for APY 0.15% APY2
  • $50,000 min. balance for APY 0.14% APY2
  • $25,000 min. balance for APY 0.05% APY2
  • $1,000 min. balance for APY 0.01% APY2

Universal Savings Account

A basic savings account (learn more)
$50 minimum opening deposit ~ interest compounds quarterly

  • $0.01 min. balance for APY 0.05% APY2

Health Savings Account (HSA)

Designed for use with a high deductible health plan (learn more)
$50 minimum opening deposit ~ interest compounds monthly

  • $10,000 min. balance for APY 0.16 APY2
  • $5,000 min. balance for APY 0.11% APY2
  • $2,500 min. balance for APY 0.06% APY2
  • $1,000 min. balance for APY 0.03% APY2
  • $0.01 min. balance for APY 0.01% APY2

Legacy Checking

Traditional interest bearing checking account (learn more)
$1,000 minimum opening deposit ~ interest compounds monthly

  • $1,000 min. balance for APY 0.04% APY2

Stop in to any branch location to open a Legacy Checking Account.

Certificate of Deposit (CD) Rates

Heritage Bank Interest Rate

EFFECTIVE SINCE Friday February 19, 2021

Triple Option CD

A certificate of deposit with flexibility (learn more)
Rates also apply to IRAs

Term$2,000

Min. Balance3

for APY4

$10,000

Min. Balance3

for APY4

$25,000

Min. Balance3

for APY4

$75,000

Min. Balance3

for APY4

6 Month0.14%0.14%0.14%0.14%
12 Month0.18%0.18%0.18%0.18%
24 Month0.24%0.24%0.24%0.24%
36 Month0.24%0.26%0.28%0.30%
48 Month0.24%0.26%0.28%0.30%
60 Month0.26%0.28%0.30%0.32%

Heritage Bank Smsf Term Deposit Rates

CDs not available for new accounts

Term

$2,000

Min. Balance3

for APY4

$10,000

Min. Balance3

for APY4

$25,000

Min. Balance3

for APY4

$75,000

Min. Balance3

for APY4

Triple Option CD – 3 Month0.08%0.08%0.08%0.08%
Option Plus CD – 36 Month0.09%0.11%0.13%0.15%
Option Plus CD – 48 Month0.09%0.11%0.13%0.15%
Option Plus CD – 60 Month0.11%0.13%0.15%0.17%


1 Must meet monthly requirements to receive qualifying interest rates. Once you meet the monthly qualifications, interest will be recalculated at the appropriate interest rate and eligible fees will be refunded.

2 APY = annual percentage yield. Fees may reduce earnings. Interest rate may change after the account is opened.

3 Minimum balance to open the account and to obtain the stated APY

4 APY = annual percentage yield. Fees may reduce earnings.

Heritage Bank Rate Sheet

Heritage bank interest rate

The current 91-Day T-Bill interest rate is at .03% effective 03/01/2021