Certificate of Deposit Rates (Includes IRAs)
- .Promotional term deposit rate. Heritage sometimes offers term deposits which are priced higher than our standard term deposit. Because these term deposits often automatically renew at maturity for the same period but at a different interest rate, there is a risk you may move from a high to a low interest rate.
- . For all Bank of Heritage Isle Home Loans, the comparison rate is based on a loan of $150,000 over a 25 year term. For all Bank of Heritage Isle Car and Personal Loans, the comparison rate is based on a loan of $30,000 over a 5 year term. WARNING: This comparison rate.
- Large deposits can be insured for more than $250,000. Allow one of our professionals to show you how we can help. To find out more about CDs with Heritage Bank contact a Customer Service.
According to Heritage Bank, when a term deposit reaches the end of its term, if no instructions have been provided the money will be reinvested at the same term, and the current interest rate at that time. Minimum deposit to open is $1,000 for adults; $500 for minors. $0 minimum balance to earn APY. Substantial penalty for early withdrawal. Contact a Service Support Staff member at 1-888-554-5499.
| Term | Interest Rate | Annual Percentage Yield |
|---|---|---|
| 30 Days | 0.05% | 0.05% |
| 60 Days | 0.10% | 0.10% |
| 91 Days | 0.15% | 0.15% |
| 182 Days | 0.30% | 0.30% |
| 1 Year | 0.45% | 0.45% |
| 18 Months | 0.50% | 0.50% |
| 2 Years | 0.65% | 0.65% |
| 30 Months | 0.75% | 0.75% |
| 3 Years | 0.85% | 0.85% |
| 4 Years | 0.90% | 0.90% |
| 5 Years | 1.00% | 1.00% |
- Rates are effective as of 3/3/2021
- Minimum Deposit - $1,000
- Posted rates are subject to change at any time without prior notice
- Early withdrawal may be subject to penalty
Once a Certificate of Deposit is purchased the rate is set through maturity.
CD Special (Includes IRAs)
| Term | Interest Rate | Annual Percentage Yield |
|---|
- Rates are effective as of 3/3/2021
- Minimum Deposit - $1,000
- Posted rates are subject to change at any time without prior notice
- Early withdrawal may be subject to penalty
Once a Certificate of Deposit is purchased the rate is set through maturity.
Checking & Savings Account Rates
Account | Tier | Interest Rate | Annual Percentage Yield |
|---|---|---|---|
Heritage Brilliant (Formerly Gold) | $0.01 to $29,999.99 | 0.10% | 0.10% |
| $30,000.00 and over | 0.10% | 0.10% | |
Heritage Checking & Senior Accounts (Formerly Silver) | One tier | 0.10% | 0.10% |
Heritage Health Savings | $0.01 to $1,499.99 | 0.10% | 0.10% |
| $1,500.00 to $4,999.99 | 0.10% | 0.10% | |
| $5,000 and over | 0.10% | 0.10% | |
Heritage Money Market (Business & Personal) | $0.01 to $24,999.99 | 0.15% | 0.15% |
| $25,000.00 to $49,999.99 | 0.21% | 0.21% | |
| $50,000.00 to $99,999.99 | 0.26% | 0.26% | |
| $100,000.00 and over | 0.36% | 0.36% | |
Heritage Savings | Personal | 0.10% | 0.10% |
| Business | 0.10% | 0.10% | |
| Youth | 0.10% | 0.10% | |
Business NOW | One tier | 0.10% | 0.10% |
| Earnings Credit - Business Accounts | Account Analysis | 0.10% | N/A |
- Rates are effective as of 3/3/2021 rates may change after the account is opened
- Fees may reduce earnings
- Heritage Checking, Brilliant & Senior Accounts - Interest bearing, paid monthly on daily ledger balances when greater than $1,000
- Heritage Health Savings Accounts - Interest bearing, paid monthly on daily ledger balances when greater than $500
Savings & Checking Rates
Today's Date is March 6th, 2021
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eCentive Account
Checking & debit card account with premium rates when qualifications are met (learn more)
$100 minimum opening deposit ~ interest compounds monthly
- Qualifying balances $0.01 – $25,0001 1.02% APY2 (Interest Rate: 1.01%)
- Qualifying balances $25,000.01 and greater1 0.19% APY2
- Base Interest Rate (non-qualifying) 0.05% APY2
Jumbo Deposit Account
High interest savings rate for large balance accounts (learn more)
$1,000 minimum opening deposit ~ interest compounds monthly
- $230,000 min. balance for APY 0.37% APY2
- $100,000 min. balance for APY 0.19% APY2
- $0.01 min. balance for APY 0.03% APY2
Heritage Direct Savings Account
Competitive savings rate exclusively for Digital Banking customers (learn more)
$1,000 minimum opening deposit ~ interest compounds monthly
- $1,000 min. balance for APY 0.19% APY2
Heritage Bank Savings Account Rates
FlexGold Account
Tiered savings account for savers large and small (learn more)
$1,000 minimum opening deposit ~ interest compounds monthly
- $199,000 min. balance for APY 0.19% APY2
- $99,000 min. balance for APY 0.15% APY2
- $50,000 min. balance for APY 0.14% APY2
- $25,000 min. balance for APY 0.05% APY2
- $1,000 min. balance for APY 0.01% APY2
Universal Savings Account
A basic savings account (learn more)
$50 minimum opening deposit ~ interest compounds quarterly
Heritage Bank Term Deposit Interest Rates
- $0.01 min. balance for APY 0.05% APY2
Health Savings Account (HSA)
Designed for use with a high deductible health plan (learn more)
$50 minimum opening deposit ~ interest compounds monthly
- $10,000 min. balance for APY 0.16 APY2
- $5,000 min. balance for APY 0.11% APY2
- $2,500 min. balance for APY 0.06% APY2
- $1,000 min. balance for APY 0.03% APY2
- $0.01 min. balance for APY 0.01% APY2
Legacy Checking
Traditional interest bearing checking account (learn more)
$1,000 minimum opening deposit ~ interest compounds monthly
- $1,000 min. balance for APY 0.04% APY2
Stop in to any branch location to open a Legacy Checking Account.
Certificate of Deposit (CD) Rates
EFFECTIVE SINCE Friday February 19, 2021
Triple Option CD
Indian Bank Term Deposit Rates
A certificate of deposit with flexibility (learn more)
Rates also apply to IRAs
Savings & Checking Rates
Today's Date is March 6th, 2021
EFFECTIVE SINCE Friday February 19, 2021 Coin master free spins code.
eCentive Account
Checking & debit card account with premium rates when qualifications are met (learn more)
$100 minimum opening deposit ~ interest compounds monthly
- Qualifying balances $0.01 – $25,0001 1.02% APY2 (Interest Rate: 1.01%)
- Qualifying balances $25,000.01 and greater1 0.19% APY2
- Base Interest Rate (non-qualifying) 0.05% APY2
Jumbo Deposit Account
High interest savings rate for large balance accounts (learn more)
$1,000 minimum opening deposit ~ interest compounds monthly
- $230,000 min. balance for APY 0.37% APY2
- $100,000 min. balance for APY 0.19% APY2
- $0.01 min. balance for APY 0.03% APY2
Heritage Direct Savings Account
Competitive savings rate exclusively for Digital Banking customers (learn more)
$1,000 minimum opening deposit ~ interest compounds monthly
- $1,000 min. balance for APY 0.19% APY2
Heritage Bank Savings Account Rates
FlexGold Account
Tiered savings account for savers large and small (learn more)
$1,000 minimum opening deposit ~ interest compounds monthly
- $199,000 min. balance for APY 0.19% APY2
- $99,000 min. balance for APY 0.15% APY2
- $50,000 min. balance for APY 0.14% APY2
- $25,000 min. balance for APY 0.05% APY2
- $1,000 min. balance for APY 0.01% APY2
Universal Savings Account
A basic savings account (learn more)
$50 minimum opening deposit ~ interest compounds quarterly
Heritage Bank Term Deposit Interest Rates
- $0.01 min. balance for APY 0.05% APY2
Health Savings Account (HSA)
Designed for use with a high deductible health plan (learn more)
$50 minimum opening deposit ~ interest compounds monthly
- $10,000 min. balance for APY 0.16 APY2
- $5,000 min. balance for APY 0.11% APY2
- $2,500 min. balance for APY 0.06% APY2
- $1,000 min. balance for APY 0.03% APY2
- $0.01 min. balance for APY 0.01% APY2
Legacy Checking
Traditional interest bearing checking account (learn more)
$1,000 minimum opening deposit ~ interest compounds monthly
- $1,000 min. balance for APY 0.04% APY2
Stop in to any branch location to open a Legacy Checking Account.
Certificate of Deposit (CD) Rates
EFFECTIVE SINCE Friday February 19, 2021
Triple Option CD
Indian Bank Term Deposit Rates
A certificate of deposit with flexibility (learn more)
Rates also apply to IRAs
| Term | $2,000 Min. Balance3 for APY4 | $10,000 Min. Balance3 for APY4 | $25,000 Min. Balance3 for APY4 | $75,000 Min. Balance3 for APY4 |
| 6 Month | 0.14% | 0.14% | 0.14% | 0.14% |
| 12 Month | 0.18% | 0.18% | 0.18% | 0.18% |
| 24 Month | 0.24% | 0.24% | 0.24% | 0.24% |
| 36 Month | 0.24% | 0.26% | 0.28% | 0.30% |
| 48 Month | 0.24% | 0.26% | 0.28% | 0.30% |
| 60 Month | 0.26% | 0.28% | 0.30% | 0.32% |
CDs not available for new accounts
| Term | $2,000 Min. Balance3 for APY4 | $10,000 Min. Balance3 for APY4 | $25,000 Min. Balance3 for APY4 | $75,000 Min. Balance3 for APY4 |
| Triple Option CD – 3 Month | 0.08% | 0.08% | 0.08% | 0.08% |
| Option Plus CD – 36 Month | 0.09% | 0.11% | 0.13% | 0.15% |
| Option Plus CD – 48 Month | 0.09% | 0.11% | 0.13% | 0.15% |
| Option Plus CD – 60 Month | 0.11% | 0.13% | 0.15% | 0.17% |
Heritage Bank Smsf Term Deposit Rates
1 Must meet monthly requirements to receive qualifying interest rates. Once you meet the monthly qualifications, interest will be recalculated at the appropriate interest rate and eligible fees will be refunded.
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Bank Of Heritage Isle Term Deposit Rates
2 APY = annual percentage yield. Fees may reduce earnings. Interest rate may change after the account is opened.
Heritage Bank Interest Rate
3 Minimum balance to open the account and to obtain the stated APY Planet 7 casino no deposit bonus codes 2020.
4 APY = annual percentage yield. Fees may reduce earnings.
The current 91-Day T-Bill interest rate is at .03% effective 03/01/2021
