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Deposit Rates - Effective 4/18/2017

 

Deposit Accounts

Money Market Accounts
Deposit AmountInterest RateAnnual Percentage Yield (APY)

$0.00 - $9,999.99

0.10%

0.10%

$10,000.00 - $24,999.99

0.15%

0.15%

$25,000.00 and over

0.25%

0.25%

NOW Accounts and Heritage 50
Deposit AmountInterest RateAnnual Percentage Yield (APY)

$0.00 - $9,999.99

0.10%

0.10%

$10,000.00 - $24,999.99

0.15%

0.15%

$25,000.00 and over

0.25%

0.25%

Legacy Small Business Checking Account
Deposit AmountInterest RateAnnual Percentage Yield (APY)

$10,000.00 and over

no interest is paid on balances less than $10,000.00

0.15%

0.15%

Savings Accounts
Deposit AmountInterest RateAnnual Percentage Yield (APY)

$100.00 and over

no interest is paid on balances less than $100.00

0.15%

0.15%

IRA Savings Account
Deposit AmountInterest RateAnnual Percentage Yield (APY)

$50.00 and over

no interest is paid on balances less than $50.00

0.15%

0.15%


Certificates of Deposit

Certificates of Deposit
TermMinimum Deposit to OpenInterest RateAnnual Percentage Yield (APY)Early Withdrawal Penalty

7-31 Days

$1,500.00

0.15%

0.15%

1/2 of Term

32-90 Days

$1,500.00

0.25%

0.25%

15 Days

91-181 Days

$1,500.00

0.30%

0.30%

45 Days

182-364 Days

$1,500.00

0.40%

0.40%

3 Months

12 Months

$500.00

0.50%

0.50%

6 months

18 Months

$500.00

0.70%

0.70%

9 months

24 Months

$500.00

0.75%

0.75%

12 months

36 Months

$500.00

0.995%

1.00%

18 months

48 Months

$500.00

1.14%

1.15%

24 months

60 Months

$500.00

1.49%

1.50%

30 months

Promotional Rates
TermMinimum Deposit to OpenInterest RateAnnual Percentage Yield (APY)Early 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
TermMinimum Deposit to OpenInterest RateAnnual Percentage Yield (APY)Early Withdrawal Penalty

18 Months

$2,000.00

0.995%*

1.00%

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.

Annual Percentage Yield (APY) accurate as of 4/18/2017.  Rates may change after account opening.  Fees may reduce earnings.

On Certificates of Deposit, an early withdrawal penalty will apply, as noted on each product above