Rates are effective as of 2/25/ 2021 rates may change after the account is opened Fees may reduce earnings; Heritage Checking, Brilliant & Senior Accounts - Interest bearing, paid monthly on daily ledger. 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
- $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
Heritage Savings Bank
- $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
Heritage Bank Rate Sheet
- $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
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 Month | 0.14% | 0.14% | 0.14% | 0.14% |
| 12 Month | 0.18% | 0.18% | 0.18% | 0.18% |
| 24 Month | 0.24% | 0.24% | 0.24% | 0.24% |
| 36 Month | 0.24% | 0.26% | 0.28% | 0.30% |
| 48 Month | 0.24% | 0.26% | 0.28% | 0.30% |
| 60 Month | 0.26% | 0.28% | 0.30% | 0.32% |
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 Month | 0.08% | 0.08% | 0.08% | 0.08% |
| Option Plus CD – 36 Month | 0.09% | 0.11% | 0.13% | 0.15% |
| Option Plus CD – 48 Month | 0.09% | 0.11% | 0.13% | 0.15% |
| Option Plus CD – 60 Month | 0.11% | 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.
The current 91-Day T-Bill interest rate is at .03% effective 03/01/2021