*Annual Percentage Yields (APY) Are Accurate as of July 20th, 2023.
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 | .80% | .80% | $1,000.00 | $1,000.00 |
| 6 Months | 1.98% | 2.00% | $1,000.00 | $1,000.00 |
| 9 Months | 4.07% | 4.15% | $1,000.00 | $1,000.00 |
| 12 Months | 2.71% | 2.75% | $1,000.00 | $1,000.00 |
| 13 Months | 3.68% | 3.75% | $1,000.00 | $1,000.00 |
| 18 Months | 2.96% | 3.00% | $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 | .80% | .80% | $.01 | $500.00 |
| 6 Months | 1.98% | 2.00% | $.01 | $500.00 |
| 9 Months | 4.07% | 4.15% | $.01 | $500.00 |
| 12 Months | 2.71% | 2.75% | $.01 | $500.00 |
| 18 Months | 2.96% | 3.00% | $.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 |
| Coastal Checking | N/A | N/A | N/A | $50.00 |
| Coastal Select Checking | .02% .02% .05% .05% |
.02% .02% .05% .05% |
$500.00-$2,499.99 $2,500.00-$9,999.99 $10,000.00-$49,999.99 $50,000.00 or more |
$50.00 |
|
Heritage Plus Checking
(Requires at least one direct deposit or ACH transfer and 12 debit card transactions per statement cycle to earn stated APY. If requirements are not met the account will earn .10% interest rate and APY.) |
1.98% .10% |
2.00% .10% |
$0.01-$25,000.00 $25,000.01 or more |
$500.00 |
| Student Checking | N/A | N/A | N/A | $50.00 |
| Money Market | .40% .60% .75% 1.00% |
.40% .60% .75% 1.00% |
$500.00-$9,999.99 $10,000.00-$34,999.99 $35,000.00-$74,999.99 $75,000.00 or more |
$2,500.00 |
| 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 |
