Current Rates

Interest Rates effective as of April 22, 2009

Certificates of Deposit*                                               Simple                       APY

30 Day                                                                           1.00%                      1.00%

90 Day                                                                           1.05%                      1.05%

182 Day                                                                         1.20%                      1.20%

12 Month                                                                        1.69%                      1.70%

18 Month                                                                        1.93%                      1.95%

24 Month                                                                        1.98%                      2.00%

36 Month                                                                        2.08%                      2.10%

60 Month                                                                        2.47%                      2.50%

Individual Retirement Accounts *                                Simple                     APY

12 Month                                                                         2.23%                     2.25%

24 Month                                                                         2.48%                     2.50%

Checking Accounts**                                                    Simple                      APY

Heritage NOW

        $1,000 - $9,999                                                        0.20%                      0.20%

        $10,000 - $24,999                                                    0.50%                      0.50%

        $25,000 & above                                                      1.00%                      1.00%

Fab 50                                                                            1.25%                      1.26%

Heritage Fund                                                                  0.90%                      0.90%  

Savings**

Regular Savings                                                               1.00%                     1.00%

Please note these rates are good only for the Heritage Bank market area. 

APY means Annual Percentage Yield.

*Penalty for early withdrawal.  Certificate of Deposits require $1,000.00 minumum to open.

**Rate may change after the account is opened, fees could reduce the earnings on the account.

*******All Rates are Subject to Change, not responsible for any typographical errors******