*Annual Percentage Yields (APY) Are Accurate as of September 20th, 2024.
Rates are subject to change without notice
Certificates of Deposit
A penalty may be imposed for early withdrawals. Fees may reduce earnings.
Term | Interest Rate |
Annual Percentage Yield |
Minimum Amount Required to Earn *APY |
Minimum Deposit Required to Open |
3 Months | .70% | .70% | $1,000.00 | $1,000.00 |
6 Months | 4.21% | 4.30% | $1,000.00 | $1,000.00 |
9 Months | 1.88% | 1.90% | $1,000.00 | $1,000.00 |
12 Months | 3.83% | 3.90% | $1,000.00 | $1,000.00 |
18 Months | 2.86% | 2.90% | $1,000.00 | $1,000.00 |
24 Months | 1.98% | 2.00% | $1,000.00 | $1,000.00 |
36 Months | 1.98% | 2.00% | $1,000.00 | $1,000.00 |
48 Months | 1.98% | 2.00% | $1,000.00 | $1,000.00 |
60 Months | 1.98% | 2.00% | $1,000.00 | $1,000.00 |
IRA Certificates of Deposit
A penalty may be imposed for early withdrawals. Fees may reduce earnings.
Term | Interest Rate |
Annual Percentage Yield |
Minimum Amount Required to Earn *APY |
Minimum Deposit Required to Open |
3 Months | .70% | .70% | $.01 | $500.00 |
6 Months | 4.21% | 4.30% | $.01 | $500.00 |
9 Months | 1.88% | 1.90% | $.01 | $500.00 |
12 Months | 3.83% | 3.90% | $.01 | $500.00 |
18 Months | 2.86% | 2.90% | $.01 | $500.00 |
24 Months | 1.98% | 2.00% | $.01 | $500.00 |
36 Months | 1.98% | 2.00% | $.01 | $500.00 |
48 Months | 1.98% | 2.00% | $.01 | $500.00 |
60 Months | 1.98% | 2.00% | $.01 | $500.00 |
Checking, Savings & Money Market Accounts
These are variable rate accounts. The rate may change after the account is opened. Fees may reduce earnings.
Product | Interest Rate |
Annual Percentage Yield |
Minimum Amount Required to Earn *APY |
Minimum Deposit Required to Open |
Totally Free Checking | N/A | N/A | N/A | $50.00 |
Preferred Interest Checking | 0.01% 0.025% |
0.01% 0.025% |
.01-1,499.99 1,500.00 or more |
$50.00 |
Direct Interest Checking | 0.01% | 0.01% | 0.01 | $50.00 |
50 Plus Interest Checking | 0.01% | 0.01% | 0.01 | $50.00 |
Money Market | .40% .60% .75% .90% |
.40% .60% .75% .90% |
$500.00-$9,999.99 $10,000.00-$34,999.99 $35,000.00-$74,999.99 $75,000.00 or more |
$500.00 |
Heritage Savings | .05% .05% .05% .10% .10% |
.05% .05% .05% .10% .10% |
$500.00-$2,499.99 $2,500.00-$9,999.99 $10,000.00-$24,999.99 $25,000.00-$49,999.99 $50,000.00 or more |
$500.00 |
Statement Savings | .05% | .05% | $10.00 or more | $10.00 |
Seasonal Fall Savings | .05% | .05% | $10.00 or more | $10.00 |
Seasonal Spring Savings | .05% | .05% | $10.00 or more | $10.00 |
IRA Savings | .05% | .05% | $10.00 or more | $10.00 |