Checking Rates |
Rate |
APY* |
E-Account Checking
$0 - $500
over $500
|
5.841%
0.100%
|
6.00%**
0.10%
|
Heritage Checking |
0.050% |
0.05% |
Classic Checking |
0.000% |
0.00% |
Premier Checking |
0.100%
|
0.10%
|
*Annual Percentage Yield
**When requirements are met. When requirements are not met the lower rate applies to the entire balance in the account.
Account Type |
Rate |
APY* |
Heritage Savings |
0.100% |
0.10% |
Secondary Savings |
0.100% |
0.10% |
Secured Savings |
0.100% |
0.10% |
Christmas Club |
0.100% |
0.10% |
Money Market Plus Savings
Tiers |
Rate |
APY * |
Penalty ³ |
$2,500 Minimum |
0.150% |
0.15% |
see ³ below |
$10,000 Minimum |
0.200% |
0.20% |
$25,000 Minimum |
0.300% |
0.30% |
IRA Rates
Type |
Tiers |
Rate |
APY* |
IRA Savings |
$500 Minimum |
0.150% |
0.15% |
$10,000 Minimum |
0.200% |
0.20% |
$50,000 Minimum |
0.300% |
0.30% |
IRA Certificates
Terms |
Tiers |
Rate |
APY* |
Penalty |
6 Months |
$500 Minimum |
0.150% |
0.15% |
90 Days |
12 Months |
$500 Minimum |
0.250% |
0.25% |
90 Days |
24 Months |
$500 Minimum |
0.349% |
0.35% |
180 Days |
36 Months |
$500 Minimum |
0.399% |
0.40% |
180 Days |
48 Months |
$500 Minimum |
0.499% |
0.50% |
180 Days |
60 Months |
$500 Minimum |
0.598% |
0.60% |
180 Days |
Share Certificates
Terms |
Tiers |
Rate |
APY* |
Penalty |
6 Months |
$500 Minimum |
0.150% |
0.15% |
90 Days |
12 Months |
$500 Minimum |
0.250% |
0.25% |
90 Days |
24 Months |
$500 Minimum |
0.349% |
0.35% |
180 Days |
36 Months |
$500 Minimum |
0.399% |
0.40% |
180 Days |
48 Months |
$500 Minimum |
0.499% |
0.50% |
180 Days |
60 Months |
$500 Minimum |
0.598% |
0.60% |
180 Days |
3-Step Share Certificate
Terms |
Tiers |
Rate |
APY* |
Penalty ² |
24 Months |
$500 Minimum |
0.250% |
0.25% |
see ² below |
*Annual Percentage Yield
¹ Penalty may apply for early withdrawal and may reduce earnings.
² Member may withdraw up to 50% of initial deposit after the first seven days without penalty once during the term of the certificate. Other withdrawals use current 24 month certificate penalty.
³ Low balance fee assessed at the end of the month, $15.00 per month if balance goes below $2,500 anytime during the month.
Choose The Plan That Works For You |
Platinum |
Secured Visa |
Annual Percentage Rate |
9.9% - 16.9% |
9.9% |
Annual Membership Fee |
None |
None |
Grace Period for Purchases |
25 Days |
25 Days |
Minimum Finance Charge |
None |
None |
Transaction Fee |
None |
None |
Cardholder Disclosure & Agreement