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Select the deposit rates below based on your home address. Rates listed effective as of August 20, 2017.


Certificate Specials

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Deposit Rates

 

Certificate Rates**

APY*

Dividend Rate

Min Deposit

48 Months 1.00% 0.996% $1,000.00
36 Months 0.80% 0.798% $1,000.00
24 Months 0.50% 0.499% $1,000.00
12 Months 0.30% 0.300% $1,000.00
6 Months 0.15% 0.150% $1,000.00

Money Market Rates** (Min Deposit listed is to earn dividends)

APY*

Dividend Rate

Min Deposit

$2,000 - $9,999 0.05% 0.050% $2,000.00
$10,000 - $24,999 0.10% 0.100% $10,000.00
$25,000 - $49,999 0.15% 0.150% $25,000.00
$50,000 - $99,999 0.20% 0.200% $50,000.00
$100,000-plus 0.25% 0.250% $100,000.00

High Yield Money Market** (Min Deposit listed is to earn dividends)

APY*

Dividend Rate

Min Deposit

$100 - $74,999 0.05% 0.050% $100.00
$75,000 - $124,999 0.35% 0.350% $75,000.00
$125,000 - $199,999 0.45% 0.450% $125,000.00
$200,000 - $249,999 0.55% 0.550% $200,000.00
$250,000-plus 0.65% 0.650% $250,000.00

Savings Account Rates** (Min Deposit listed is to earn dividends)

APY*

Dividend Rate

Min Deposit

Share Account 0.05% 0.050% $100.00
Youth Savings 0.25% 0.250% $100.00
IRA / Coverdell ESA Share Account 0.05% 0.050% $100.00
Holiday Club 0.05% 0.050% $100.00
Escrow 0.15% 0.150% $0.00

Checking Account Rates** (Min Deposit listed is to earn dividends)

APY*

Dividend Rate

Min Deposit

Simply Free Checking 0.00% 0.000% $0.00
Dividend Checking 0.11% 0.100% $100.00
Free 50 Business 0.05% 0.050% $2,500.00

Certificate Rates**

APY*

Dividend Rate

Min Deposit

48 Months 0.60% 0.599% $1,000.00
36 Months 0.40% 0.399% $1,000.00
24 Months 0.30% 0.300% $1,000.00
12 Months 0.20% 0.200% $1,000.00
6 Months 0.10% 0.100% $1,000.00

Money Market Rates** (Min Deposit listed is to earn dividends)

APY*

Dividend Rate

Min Deposit

$2,000 - $9,999 0.05% 0.050% $2,000.00
$10,000 - $24,999 0.10% 0.100% $10,000.00
$25,000 - $49,999 0.15% 0.150% $25,000.00
$50,000 - $99,999 0.20% 0.200% $50,000.00
$100,000-plus 0.25% 0.250% $100,000.00

High Yield Money Market** (Min Deposit listed is to earn dividends)

APY*

Dividend Rate

Min Deposit

$100 - $74,999 0.05% 0.050% $100.00
$75,000 - $124,999 0.35% 0.350% $75,000.00
$125,000 - $199,999 0.45% 0.450% $125,000.00
$200,000 - $249,999 0.55% 0.550% $200,000.00
$250,000-plus 0.65% 0.650% $250,000.00

Savings Account Rates** (Min Deposit listed is to earn dividends)

APY*

Dividend Rate

Min Deposit

Share Account 0.05% 0.050% $100.00
Youth Savings 0.25% 0.250% $100.00
IRA / Coverdell ESA Share Account 0.05% 0.050% $100.00
Holiday Club 0.05% 0.050% $100.00

Checking Account Rates** (Min Deposit listed is to earn dividends)

APY*

Dividend Rate

Min Deposit

Simply Free Checking 0.00% 0.000% $0.00
Dividend Checking 0.11% 0.100% $100.00
Free 50 Business 0.05% 0.050% $2,500.00

** Rates listed effective as of August 20, 2017. Minimum investment may be required. Rate and offer subject to change and can end without notice. Certificates may have penalty for early withdrawal. Fees may reduce earnings on the account. Money market, dividend-earning checking and savings account dividend rates are variable and may change after account is opened. Any member age 18 or younger can open a Heritage Youth Savings account, which offers a higher dividend rate than a regular savings accounts on balances greater than $100 and less than $5,000. Once the member turns 19, the Youth Savings Account switches to a Primary Savings account. 

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