Current Rates

Interest Rates effective as of May 14, 2008

Certificates of Deposit*                                               Simple                       APY

30 Day                                                                           1.00%                      1.00%

90 Day                                                                           1.50%                      1.50%

182 Day                                                                         1.75%                      1.75%

12 Month                                                                        2.00%                      2.02%

18 Month                                                                        2.20%                      2.22%

24 Month                                                                        2.30%                      2.32%

36 Month                                                                        2.40%                      2.43%

60 Month                                                                        2.70%                      2.73%

Individual Retirement Accounts *                                Simple                     APY

12 Month                                                                         2.50%                     2.52%

24 Month                                                                         2.60%                     2.63%

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                                                                            1.50%                      1.51%

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******