Interest Rates effective as of January 17, 2012

Certificates of Deposit*                                               Simple                       APY

30 Day                                                                           0.15%                       0.15%

90 Day                                                                           0.20%                       0.20%

182 Day                                                                         0.40%                       0.40%

12 Month                                                                        0.85%                      0.85%

18 Month                                                                        1.04%                      1.05%

24 Month                                                                        1.19%                      1.20%

36 Month                                                                        1.34%                      1.35%

60 Month                                                                        1.74%                      1.75%

Individual Retirement Accounts *                                Simple                     APY

12 Month                                                                         1.00%                     1.00%

24 Month                                                                         1.24%                     1.25%

Checking Accounts**                                                    Simple                      APY

Heritage NOW

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

        $10,000 - $24,999                                                    0.30%                      0.30%

        $25,000 & above                                                      0.50%                      0.50%

Fab 50                                                                            0.60%                      0.60%

Business Interest Checking                                              0.60%                      0.60%  

Savings**

Regular Savings                                                               0.50%                     0.50%

Please note these rates are good only for the Heritage Bank, NA 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******