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Select the deposit rates below based on your home address. Rates listed effective as of May 20, 2022.


Deposit Rates

Wisconsin Rates

Certificate Rates**

A table of deposit rates for Certificate Rates**
APY* Dividend Rate Min Deposit
60 Months 3.21% 3.172% $5,000
48 Months 3.11% 3.074% $5,000
36 Months 3.01% 2.977% $5,000
24 Months 2.86% 2.830% $5,000
12 Months 2.26% 2.241% $5,000

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

A table of deposit rates for Save More Money Market Rates** (Min Deposit listed is to earn dividends)
APY* Dividend Rate Min Deposit
$2,000 – $9,999 0.25% 0.250% $2,000
$10,000 – $24,999 0.25% 0.250% $10,000
$25,000 – $49,999 1.00% 0.995% $25,000
$50,000 – $99,999 1.00% 0.995% $50,000
$100,000-plus 1.11% 1.104% $100,000

High Yield Money Market**

A table of deposit rates for High Yield Money Market**
APY* Dividend Rate Min Deposit
$100 – $74,999 0.25% 0.250% $100
$75,000 – $124,999 1.00% 0.995% $75,000
$125,000 – $199,999 1.11% 1.104% $125,000
$200,000 – $249,999 1.11% 1.040% $200,000
$250,000-plus 1.11% 1.040% $250,000

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

A table of deposit rates for Savings Account Rates** (Min Deposit listed is to earn dividends)
APY* Dividend Rate Min Deposit
Share Account 0.02% 0.020% $100
Youth Savings 0.10% 0.100% $100
Holiday Club 0.05% 0.050% $100
Save More Savings 0.15% 0.150% $0
Escrow 0.09% 0.090% $0

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

A table of deposit rates for Checking Account Rates** (Min Deposit listed is to earn dividends)
APY* Dividend Rate Min Deposit
Simply Free Checking 0.00% 0.000% $0
Dividend Checking 0.05% 0.050% $100
Save More Checking 0.25% 0.250% $0
Free 50 Business 0.02% 0.020% $2,500

Illinois Rates

Certificate Rates**

A table of deposit rates for Certificate Rates**
APY* Dividend Rate Min Deposit
60 Months 3.21% 3.172% $5,000
48 Months 3.11% 3.074% $5,000
36 Months 3.01% 2.977% $5,000
24 Months 2.86% 2.830% $5,000
12 Months 2.26% 2.241% $5,000

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

A table of deposit rates for Save More Money Market Rates** (Min Deposit listed is to earn dividends)
APY* Dividend Rate Min Deposit
$2,000 – $9,999 0.25% 0.250% $2,000
$10,000 – $24,999 0.25% 0.250% $10,000
$25,000 – $49,999 1.00% 0.995% $25,000
$50,000 – $99,999 1.00% 0.995% $50,000
$100,000-plus 1.11% 1.104% $100,000

High Yield Money Market**

A table of deposit rates for High Yield Money Market**
APY* Dividend Rate Min Deposit
$100 – $74,999 0.25% 0.250% $100
$75,000 – $124,999 1.00% 0.995% $75,000
$125,000 – $199,999 1.11% 1.104% $125,000
$200,000 – $249,999 1.11% 1.040% $200,000
$250,000-plus 1.11% 1.040% $250,000

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

A table of deposit rates for Savings Account Rates** (Min Deposit listed is to earn dividends)
APY* Dividend Rate Min Deposit
Share Account 0.02% 0.020% $100
Youth Savings 0.10% 0.100% $100
Holiday Club 0.05% 0.050% $100
Save More Savings 0.15% 0.150% $0
Escrow 0.09% 0.090% $0

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

A table of deposit rates for Checking Account Rates** (Min Deposit listed is to earn dividends)
APY* Dividend Rate Min Deposit
Simply Free Checking 0.00% 0.000% $0
Dividend Checking 0.05% 0.050% $100
Save More Checking 0.25% 0.250% $0
Free 50 Business 0.02% 0.020% $2,500

** Rates listed effective as of May 20, 2022. 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. 

Personal Loan

24 Months, as low as 7.99% APR*

Auto Loan

24 Months, as low as 1.99% APR*