Deposit Rates - Effective 11/14/19

 

Deposit Accounts

Money Market Accounts
Deposit AmountInterest RateAnnual Percentage Yield (APY)

$0.01 - $9,999.99

0.15%

0.15%

$10,000.00 - $24,999.99

0.20%

0.20%

$25,000.00 and over

0.25%

0.25%

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

$0.01 - $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)

$0.01 and over

 

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

0.55%

0.55%

3 Months

12 Months

$500.00

1.04%

1.05%

6 months

18 Months

$500.00

1.19%

1.20%

9 months

24 Months

$500.00

1.44%

1.45%

12 months

36 Months

$500.00

1.54%

1.55%

18 months

48 Months

$500.00

1.69%

1.70%

24 months

60 Months

$500.00

1.93%

1.95%

30 months

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

10 Months

$2,000.00 

 1.74%*

 1.76%

3 Months

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

Annual Percentage Yield (APY) accurate as of 11/14/2019.  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