Rates

Rates


All rates and yields stated below are subject to change.


Dividend Checking Account Rates

Average Daily Balance Rate Annual Percentage Yield (APY)*
$0.00 to $10,000 1.00% 1.00%
$10,000.01 and above 0.25% 0.25%

All rates effective 01/01/2017
*Yield assumes principal and dividends remain on deposit for (1) year. Dividend rates are subject to change without notice. Dividends are compounded monthly.

Savings/Share Account Rates

Account Rate Annual Percentage Yield (APY)*
Savings/Share Accounts 0.15% 0.15%
Christmas Club Accounts 0.15% 0.15%
Vacation Club Accounts 0.15% 0.15%
IRA Shares 0.15% 0.15%

All rates effective 07/01/2017
*Minimum balance to earn dividends is $50.00 in the above accounts. Annual Percentage Yields are current and effective.Yield assumes principal and dividends remain on deposit for one (1) year. Dividend rates are subject to change without notice. Dividends are compounded monthly.

Health Savings Account (HSA) Rates

Average Daily Balance Rate Annual Percentage Yield (APY)*
$0.00 to $4,999 0.15% 0.15%
$5,000 to $9,999 0.20% 0.20%
$10,000 to $14,999 0.25% 0.25%
$15,000 to $24,999 0.25% 0.25%
$25,000 and above 0.25% 0.25%

All rates effective 01/01/2017
*Annual Percentage Yields are current and effective.Yield assumes principal and dividends remain on deposit for one (1) year. Dividend rates are subject to change without notice. Dividends are compounded monthly. Health Savings accounts are subject to eligibility requirements. Please see a member service specialist for details.
 

Money Market Account Rates

Balance Rate Annual Percentage Yield (APY)*
$0.00 to $2,499 0.00% 0.00%
$2,500 to $24,999 0.20% 0.20%
$25,000 to $49,999 0.25% 0.25%
$50,000 to $99,999 0.30% 0.30%
$100,000 and up 0.35% 0.35%

All rates effective 07/01/2017 
*Minimum balance to earn dividends is $2,500.00 in the above accounts. Annual Percentage Yields are current and effective.Yield assumes principal and dividends remain on deposit for one (1) year. Dividend rates are subject to change without notice. Dividends are compounded monthly.

Regular Certificate & IRA Certificate Rates

Standard
Rates Term
Minimum Balance Rate APY
90 Days $1,000 0.20% 0.20%
6 Months $1,000 0.25% 0.25%
12 Months* $500 0.30% 0.30%
18 Months* $500 0.35% 0.35%
24 Months* $500 0.40% 0.40%
30 Months* $500 0.45% 0.45%
36 Months* $500 0.60% 0.60%
48 Months* $500 0.90% 0.90%
60 Months* $500 1.10% 1.10%

All rates effective 07/01/2017
*Substantial penalty for early withdrawal. Annual Percentage Yields are current and effective. Yield assumes principal and dividends remain on deposit for the term stated. Dividend rates are subject to change without notice. Dividends are compounded monthly. Available for IRA Investments with a $250.00 minimum balance. Heritage Gold Rate applies to regular Certificates and Individual Retirement Account.

Heritage Gold Certificate Rates

Heritage Gold
Rates Term
Minimum Balance Rate APY
90 Days $10,000 0.25% 0.25%
6 Months $10,000 0.30% 0.30%
12 Months $10,000 0.35% 0.35%
18 Months $10,000 0.40% 0.40%
24 Months $10,000 0.45% 0.45%
30 Months $10,000 0.50% 0.50%
36 Months $10,000 0.65% 0.65%
48 Months $10,000 0.95% 0.95%
60 Months $10,000 1.15% 1.16%

All rates effective 07/01/2017
*Substantial penalty for early withdrawal. Annual Percentage Yields are current and effective. Yield assumes principal and dividends remain on deposit for the term stated. Dividend rates are subject to change without notice. Dividends are compounded monthly. Heritage Gold Rate applies to regular Certificates and Individual Retirement Account.




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