DEPOSIT ACCOUNT RATES
as of June 23, 2008

   

Minimum
Balance**

 Dividend
Rate
APY*
SAVINGS Primary Savings
$25
0.499%
0.50%
   
  Custodial Savings
$25
0.499%
0.50%
   
  Extra Savings
$0
0.499%
0.50%
   
  Christmas Club
$0
0.499%
0.50%
   
IRA SAVINGS Regular IRA Savings
$5
1.980%
2.00%
   
CHECKING Heritage Classic
$500***
0.200%
0.20%
       
  NEW! Back to Basics Checking
$0
0.00%
0.00%
   
  Advantage Checking
$0
0.00%
0.00%
       
  Bonus Checking
Requires a combined total of $20,000 on deposit and/or in loan accounts
$20,000****
0.200%
0.20%
   
  Heritage Platinum
$500****
0.300%
0.30%
   
  Estate Checking
$25
0.300%
0.30%
   
  Student Checking
$25
0.00%
0.00%
   
  Heritage Golden $0 - $499.99
$0
0.00%
0.00%
 
$500 - $999.99
 
0.200%
0.20%
 
     $1,000 and greater
 
0.300%
0.30%
       
 

Vintage Checking
Dividends paid based on tiered rates if monthly balance of $500 is maintained

$0
0.00%
0.00%
       $500.01 and greater  
0.300%
0.30
     
  Heritage Partnership
$0
0.00%
0.00%
   
MONEY MARKET $0-$1,499.99
$0
0.00%
0.00%
     
  $1,500-$9,999.99  
0.995%
1.00%
       
  $10,000-$24,999.99  
1.587%
1.60%
     
  $25,000 or more  
1.980%
2.00%
       
PREMIUM MONEY MARKET $50,000 or more  
2.713%
2.75%

* APY = Annual Percentage Yield - APY is the yearly dividend rate.

** Minimum balance to receive dividends. The minimum balance to open the account varies.

*** Requires $500 in total deposits (may include Prime Savings, Extra Savings, and/or Checking).

****Requires a total of $5000 in specified deposit accounts (may include Prime Savings, Checking, Money Market, IRA, and/or Certificates) of which $500 must be maintained in the checking account.

Rates are subject to change without notice.

Savings accounts require a minimum of $25 to open and IRA Savings accounts require a minimum of $5 to open.

Checking accounts require a minimum of $25 to open, except Platinum, which requires $500 to open.

Type of Certificate Term
Minimum Balance
Dividend
Rate
APY*
REGULAR CERTIFICATES 3 Month
$250
2.127%
2.15%
   
  6 Month
$250
 2.176%
2.20%
   
  9 Month
$250
2.421%
2.45%
   
  12 Month
$250
2.469%
2.50%
   
  12 Month Small Saver
$100
2.469%
2.50%
   
  24 Month
$250
2.762%
2.80%
   
  36 Month
$250
3.198%
3.25%
   
  48 Month
$250

3.489%
3.55%
   
  60 Month
$250
3.730%
3.80%
   
IRA CERTIFICATES 12 Month IRA
$250
2.469%
2.50%
   
  12 Month IRA Small Saver
$100
2.469%
2.50%
   
  24 Month IRA
$250
2.762%
2.80%
   
  36 Month IRA
$250
3.198%
3.25%
   
  48 Month IRA
$250
3.489%
3.55%
   
  60 Month IRA
$250
3.730%
3.80%

*APY = Annual Percentage Yield - APY is the yearly dividend rate and is based on dividends remaining on deposit until maturity. Penalties and loss of dividends apply for early withdrawal.

Small Saver certificates require a minimum of $100 to open. All other certificates require a minimum of $250 to open and the rates are fixed for any term of the certificate. A penalty will be imposed for early withdrawal.

Rates are subject to change without notice. Please call the Heritage Trust Call Center at 843-832-2600 or 800-845-5550 to obtain current rates.

Platinum Checking account holders automatically receive an additional .10% on Heritage Trust certificate rates.

Dividends are paid monthly on IRA savings, checking, money market, regular and IRA certificates, except for the following on which dividends are paid quarterly: savings accounts, 36 month certificates, and 60 month certificates.