| 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 |
0.499% |
0.50% |
see ³ below |
| $10,000 Minimum |
0.598% |
0.60% |
| $25,000 Minimum |
0.747% |
0.75% |
IRA Rates
| Type |
Tiers |
Rate |
APY* |
| IRA Savings |
$500 Minimum |
0.499% |
0.50% |
| $10,000 Minimum |
0.598% |
0.60% |
| $50,000 Minimum |
0.747% |
0.75% |
IRA Certificates
| Terms |
Tiers |
Rate |
APY* |
Penalty |
| 6 Months |
$500 Minimum |
1.144% |
1.15% |
90 Days |
| 12 Months |
$500 Minimum |
1.687% |
1.70% |
90 Days |
| 24 Months |
$500 Minimum |
1.982% |
2.00% |
180 Days |
| 36 Months |
$500 Minimum |
2.080% |
2.10% |
180 Days |
| 48 Months |
$10,000 Minimum |
2.227% |
2.25% |
180 Days |
| 60 Months |
$10,000 Minimum |
2.472% |
2.50% |
180 Days |
Share Certificates
| Terms |
Tiers |
Rate |
APY* |
Penalty |
| 6 Months |
$500 Minimum |
1.144% |
1.15% |
90 Days |
| 12 Months |
$500 Minimum |
1.687% |
1.70% |
90 Days |
| 24 Months |
$500 Minimum |
1.982% |
2.00% |
180 Days |
| 36 Months |
$500 Minimum |
2.080% |
2.10% |
180 Days |
| 48 Months |
$500 Minimum |
2.227% |
2.25% |
180 Days |
| 60 Months |
$500 Minimum |
2.472% |
2.50% |
180 Days |
3-Step Share Certificate
| Terms |
Tiers |
Rate |
APY* |
Penalty ² |
| 24 Months |
$500 Minimum |
1.884% |
1.90% |
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
