|
The rates posted on the
Heritage Trust site are current as of April 7, 2008.
Rates are subject to change without notice, and this
sheet does not serve as a guarantee of rates, fees,
or credit approval.*
Click Here for Consumer Loan Rates
| Deposit Account Rates |
|
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
Requires $500 in total deposits |
|
0.0200% |
0.20% |
| |
|
|
|
|
| |
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 |
|
0.200% |
0.20% |
|
|
|
|
|
|
Heritage
Platinum
Requires a total of $5000 in
deposit accounts |
|
0.300% |
0.30% |
|
|
|
|
|
|
Student
Checking |
$0 |
0.00% |
0.00% |
|
|
|
|
|
|
Heritage
Golden |
$0 |
|
|
|
$0-$499.99 |
|
0.00% |
0.00% |
|
$500
- $999.99 |
|
0.200% |
0.20% |
|
$1,000
or more |
|
0.300% |
0.30% |
| |
|
|
|
|
| |
Vintage Checking
Dividends paid based on tiered rates if monthly balance of $500 is maintained
|
$0 |
0.000% |
0.00% |
|
$500.01
or greater |
|
0.300% |
0.30% |
|
|
|
|
|
|
Heritage
Partnership |
$0 |
0.00% |
0.00% |
|
|
|
|
|
|
Estate
Checking |
$25 |
0.300% |
0.30% |
|
|
|
|
|
| MONEY MARKET |
$0-$1,499.99 |
$0 |
0.000% |
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 |
|
2.956% |
3.00% |
|
* APY = Annual Percentage Yield
- APY is the yearly dividend rate. Rates are subject to change on a daily basis and without
notice.
Rates are subject to change after account opening.
** Minimum balance to receive dividends.
The minimum balance to open the account varies.
*** If the member falls below the minimum $500 balance in
a combination of the above accounts, there is a $9.95
charge per month.
**** A direct deposit of at least $500 is also required. If
the member falls below the minimum balance, there is a $7 charge per month. Dividends are paid on balance in checking account.
***** Specified deposit accounts may include Prime Savings,
Checking, Money Market, IRA, and Certificates.
$500 must be maintained in the checking account. If
the member falls below the minimum $5000 balance in
a combination of the above accounts or the $500 balance
in checking, there is a $9.95 charge per month.
Fees and withdrawals could reduce earnings on account. Please call the Heritage Trust Contact Center at
843-832-2600 or 800-845-5550 for applicable fees and terms.
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 |
2.567% |
2.60% |
| |
|
|
|
|
| |
36
Month |
$250 |
2.664% |
2.70% |
| |
|
|
|
|
| |
48
Month |
$250 |
3.198% |
3.25%
|
| |
|
|
|
|
| |
60
Month |
$250 |
3.295% |
3.35% |
| |
|
|
|
|
| IRA
CERTIFICATES |
12
Month IRA |
$250 |
2.469% |
2.50% |
| |
|
|
|
|
| |
12
Month IRA Small Saver |
$100 |
2.469% |
2.50% |
| |
|
|
|
|
| |
24
Month IRA |
$250 |
2.567% |
2.60% |
| |
|
|
|
|
| |
36
Month IRA |
$250 |
2.664% |
2.70% |
| |
|
|
|
|
| |
48
Month IRA |
$250 |
3.198% |
3.25% |
| |
|
|
|
|
| |
60
Month IRA |
$250 |
3.295% |
3.35% |
*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 Contact 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. |
