Certificates of Deposit

Current Interest Rates

Personal & IRA CDs
Term	Interest Rate	APY*
1 month	0.10%	0.10%
3 month	0.10%	0.10%
6 month	0.15%	0.15%
12 month	0.25%	0.25%
18 month**	0.30%	0.30%
24 month	0.40%	0.40%
36 month	0.45%	0.45%
48 month	0.50%	0.50%
60 month	0.60%	0.60%

*APY = Annual Percentage Yield
**Step Up CD (you may step up the rate once each term)

All CD’s reflect quarterly compounding except 1 Month CD. Minimum deposit to open is $1,000 for adults; $500 for youth. $0 minimum balance to earn APY. Substantial penalty for early withdrawal. To be eligible for CD Specials you must maintain at least $5,000 in a Checking, Savings, or Money Market account with Heritage Bank.

Contact a Personal Banker at 1-888-554-5499 for more information or to check today’s interest rates. CD Specials not available to municipal or institutional investors. Rates may be updated at any time at the bank’s discretion. Interest rates displayed on this Web site will be accurate within 7 days of any rate changes.