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Rates

EFFECTIVE AS OF DECEMBER 15, 2014

 

INDIVIDUAL RETIREMENT ACCOUNTS (IRA)
**Variable rate accounts subject to change**
SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL
TERMS
**Penalty for early withdrawal
Annual Percentage Yield % Interest Rate % Heritage Club Annual
Percentage Yield %
Heritage Club
Interest Rate %
1 Year Fixed Rate (open) 0.20 0.20 0.25 0.25
1 Year Variable Rate (open) 0.05 0.05 0.10 0.10
2 Year Fixed Rate (closed) 0.50 0.50 0.55 0.55
2 Year Variable Rate (closed) 0.25 0.25 0.30 0.30
3 Year Fixed Rate (closed) 1.01 1.00 1.06 1.05

 

TIME CERTIFICATES (UNDER $10,000.00)
SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL
Minimum of $500 to open
TERMS
**Penalty for early withdrawal
Annual Percentage Yield % Interest Rate % Heritage Club Annual
Percentage Yield %
Heritage Club
Interest Rate %
3 Month CD** 0.05 0.05 0.10 0.10
6 Month CD** 0.15 0.15 0.20 0.20
1 Year CD* 0.20 0.20 0.25 0.25
1 Year CD** (Add On) 0.10 0.10 0.15 0.15
1½ Year CD** 0.30 0.30 0.35 0.35
2 Year CD** 0.40 0.40 0.45 0.45
2 Year CD** (Add On) 0.15 0.15 0.20 0.20
2½ Year CD** 0.45 0.45 0.50 0.50
5 Year CD** 0.65 0.65 0.70 0.70
5 Year CD**(Add On) 0.35 0.35 0.40 0.40

 

TIME CERTIFICATES (OVER $10,000.00)
Rates negotiable for deposits of $100,000.00 or more
SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL
Minimum of $500 to open
TERMS
**Penalty for early withdrawal
Annual Percentage Yield % Interest Rate % Heritage Club Annual
Percentage Yield %
Heritage Club
Interest Rate %
3 Month CD** 0.15 0.15 0.20 0.20
6 Month CD** 0.20 0.20 0.25 0.25
1 Year CD* 0.30 0.30 0.35 0.35
1 Year CD** (Add On) 0.15 0.15 0.25 0.25
1½ Year CD** 0.40 0.40 0.45 0.45
2 Year CD** 0.50 0.50 0.55 0.55
2 Year CD** (Add On) 0.20 0.20 0.25 0.25
2&frac; Year CD** 0.55 0.55 0.60 0.60
5 Year CD** 0.75 0.75 0.80 0.80
5 Year CD** (Add On) 0.45 0.45 0.50 0.50

 

CHECKING, SAVINGS, MONEY MARKETS
Service charges may effect the actual Annual Percentage Yield %
VARIABLE RATE ACCOUNTS SUBJECT TO CHANGE Annual Percentage Yield % Interest Rate %
NOW Checking Accounts 0.03 0.03
Money Market .01 To 24,999.99 0.06 0.06
Money Market 25,000.00 To 49,999.99 0.06 0.06
Money Market 50,000.00 To 99,999.99 0.10 0.10
Money Market 100,000.00 To 249,999.99 0.15 0.15
Money Market 250,000.00 & Over 0.15 0.15
Statement Savings 0.06 0.06
Custodial / Looney Tunes Savings 0.50 0.50
Health Savings Accounts 0.15 0.15


NOW Checking Accounts require a minimum of $100 to open, with a minimum balance of $500 maintained in the account each day to obtain the disclosed annual percentage yield.
Money Market Accounts require a minimum of $1000 to open.
Statement Savings Accounts require a minimum of $200 to open.
Custodial / Looney Tunes Savings Accounts require a minimum of $25 to open.
Health Savings Accounts require a minimum of $100 to open, with a minimum balance of $500 maintained in the account each day to obtain the disclosed annual percentage yield.
Heritage Club Adjuster .05%

 

 

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