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Interest Rates

All interest rates are effective 03/14/2016

Deposit Accounts

Money Market Accounts
Deposit AmountInterest RateAnnual Percentage Yield

$0.00 - $9,999.99

0.05%

0.05%

$10,000.00 - $24,999.99

0.10%

0.10%

$25,000.00 and over

0.20%

0.20%

NOW Accounts and Heritage 50
Deposit AmountInterest RateAnnual Percentage Yield

$0.00 - $9,999.99

0.05%

0.05%

$10,000.00 - $24,999.99

0.10%

0.10%

$25,000.00 and over

0.20%

0.20%

Legacy Small Business Checking Account
Deposit AmountInterest RateAnnual Percentage Yield

$10,000.00 and over

0.10%

0.10%

Savings Accounts
Deposit AmountInterest RateAnnual Percentage Yield

$100.00 and over

0.15%

0.15%

IRA Savings Account
Deposit AmountInterest RateAnnual Percentage Yield

$50.00 and over

0.15%

0.15%


Certificates of Deposit

Certificates of Deposit
TermMinimumInterest RateAnnual Percentage YieldEarly Withdrawal Penalty

7-31 Days

$1,500.00

0.10%

0.10%

1/2 of Term

32-90 Days

$1,500.00

0.20%

0.20%

15 Days

91-181 Days

$1,500.00

0.20%

0.20%

45 Days

182-364 Days

$1,500.00

0.25%

0.25%

3 Months

1 Year

$500.00

0.35%

0.35%

6 months

18 Months

$500.00

0.50%

0.50%

9 months

2 Years

$500.00

0.60%

0.60%

12 months

3 Years

$500.00

0.75%

0.75%

18 months

4 Years

$500.00

0.995%

1.00%

24 months

5 Years

$500.00

1.24%

1.25%

30 months

Promotional Rates
TermMinimumInterest RateAnnual Percentage YieldEarly Withdrawal Penalty

 35 Months

 $2,000.00

 1.29%

 1.30%

12 Months 

.25% interest rate increase with a Heritage Bank 50 Account DOES NOT APPLY to Promotional Rates

Choice Certificate of Deposit
TermMinimumInterest RateAnnual Percentage YieldEarly Withdrawal Penalty

18 Months

$2,000.00

0.90%*

0.90%

9 Months

*Heritage 50 Deposit Account Customers can receive a .25% interest rate increase at time of certificate of deposit opening. During the CD term, customer can "bump" up the interest rate one time to the prevailing certificate of deposit interest rate for the same term CD, for the remaining term of their certificate of deposit. Available for a limited time only.

 

Interest rates subject to change without notice