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Interest Rates

 Current Interest Rates
 Effective date: November 15, 2022


Certificates of Deposits Interest Rate Annual Percentage Yield (APY)
Term
3 Month Certificate 0.62% 0.62%
6 Month Certificate 0.74% 0.74%
12 Month Certificate 0.99% 0.99%
18 Month Certificate 0.99% 0.99%
24 Month Certificate 1.03% 1.04% 
30 Month Certificate 1.03%  1.04% 
36 Month Certificate 1.13%  1.14% 
48 Month Certificate 1.18% 1.19% 
60 Month Certificate 1.33% 1.34%

For all accounts listed above: Minimum deposit is $300; APY reflects daily compounding; Rates/Fees may change without notice; Penalties may be imposed for early withdrawal. Personal Savings Accounts Info

Savings Interest Rate APY
15 Month Certificate Renewal 0.59% 0.59%
21 Month Certificate Renewal 0.64%  0.64% 
Holiday Savings 0.28%
0.28%
Traditional Savings 0.22% 0.22%
Next Generation Savings 0.22% 0.22%
Heritage Money Market Savings
$50,000 OR MORE 0.50% 0.50%
$25,000 TO $49,999.99 0.40% 0.40%
$10,000 TO $24,999.99 0.32% 0.32%
$2,500 TO $9,999.99 0.28% 0.28%
UNDER $2,500 0.22% 0.22%

For all accounts listed above: Rates are subject to change daily without notice; Rates may change after account opening; Fees could reduce earnings. Personal Savings Accounts Details.

Checking Interest Rate APY
Heritage Interest Checking 0.20% 0.20%
Heritage Plus Checking 0.25% 0.25%
Generation 55 ($500 - $1,499.99) 0.20% 0.20%
Generation 55 ($1,500 or more) 0.25% 0.25%
Heritage Business Checking ($2,499.99 or less) 0.20% 0.20%
Heritage Business Checking ($2,500 or more) 0.25% 0.25%

For all accounts listed above: Rates are subject to change daily without notice; Rates may change after account opening; Fees could reduce earnings. Personal Checking Accounts Info.