Heritage Bank Term Deposit Rates
Certificate of Deposit Rates (Includes IRAs)
- Heritage Bank Smsf Term Deposit Rates
- Heritage Bank Term Deposit Interest Rates
- Bank Term Deposit Rates Australia
| 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% |
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. The above Term Deposit rates are available online and in branch for personal customers with a maximum limit of $1,999,999 per customer. For amounts greater than $1,999,999 or for Business Term Deposits. Term Deposit interest is calculated on the daily closing balance of the account and can be credited (compounded) to the term deposit account annually or on maturity. Term deposits lodged for more. 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. Certificates of Deposit (CDs) If you want your cash to grow faster with very little risk, a CD is a smart option. CDs are timed deposits, meaning you agree to park your money for a predetermined period of time, or term. In general, the longer the term.
- 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
Heritage Bank Smsf Term Deposit Rates
Savings & Checking Rates
Today’s Date is March 6th, 2021
EFFECTIVE SINCE Friday February 19, 2021
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
FlexGold Account
Tiered savings account for savers large and small (learn more)
$1,000 minimum opening deposit ~ interest compounds monthly
Heritage Bank Term Deposit Interest Rates
- $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
- $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
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% |
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.
2 APY = annual percentage yield. Fees may reduce earnings. Interest rate may change after the account is opened.
3 Minimum balance to open the account and to obtain the stated APY
4 APY = annual percentage yield. Fees may reduce earnings.
Bank Term Deposit Rates Australia
The current 91-Day T-Bill interest rate is at .03% effective 03/01/2021