Heritage Bank Term Deposit Rates
- Heritage Bank Rate Sheet
- Heritage Bank Mortgage Rates
- Heritage Bank Cd Rates
- Heritage Bank Interest Rate
- Heritage Bank Term Deposit Rates
- Heritage Bank Term Deposit Rates
Deposit your funds at Heritage Bank for a 3, 6 or 12-month period and receive a super interest rate that’s guaranteed! The minimum deposit is $10,000.00. You can also choose to have your interest compounded, issued as a bank. Rate may be changed one time at the customer’s request in writing during the term of the CD. 2 ½ YEAR CERTIFICATE OF DEPOSIT Minimum Balance $500.00 – IRA Minimum Balance $100.00. .Promotional term deposit rate. Heritage sometimes offers term deposits which are priced higher than our standard term deposit. Because these term deposits often automatically renew at maturity for the same period but at a different interest rate, there is a risk you may move from a high to a low interest rate. Transfer all funds to an ‘S’ or ‘L’ account (only to a Heritage account you have already nominated at a Heritage branch or added via the “Pay Anyone” facility). Click the Submit button. Your Term Deposit. Heritage Building Society was established in 1981 and is Australia’s largest building society. It is based in Toowoomba, Queensland and mainly operates in the Darling Downs region.
Savings & Checking Rates
Today’s Date is March 6th, 2021
EFFECTIVE SINCE Friday February 19, 2021
eCentive Account
Checking & debit card account with premium rates when qualifications are met (learn more)
$100 minimum opening deposit ~ interest compounds monthly
- Qualifying balances $0.01 – $25,0001 1.02% APY2 (Interest Rate: 1.01%)
- Qualifying balances $25,000.01 and greater1 0.19% APY2
- Base Interest Rate (non-qualifying) 0.05% APY2
Jumbo Deposit Account
High interest savings rate for large balance accounts (learn more)
$1,000 minimum opening deposit ~ interest compounds monthly
- $230,000 min. balance for APY 0.37% APY2
- $100,000 min. balance for APY 0.19% APY2
- $0.01 min. balance for APY 0.03% APY2
Heritage Direct Savings Account
Competitive savings rate exclusively for Digital Banking customers (learn more)
$1,000 minimum opening deposit ~ interest compounds monthly
- $1,000 min. balance for APY 0.19% APY2
FlexGold Account
Tiered savings account for savers large and small (learn more)
$1,000 minimum opening deposit ~ interest compounds monthly
- $199,000 min. balance for APY 0.19% APY2
- $99,000 min. balance for APY 0.15% APY2
- $50,000 min. balance for APY 0.14% APY2
- $25,000 min. balance for APY 0.05% APY2
- $1,000 min. balance for APY 0.01% APY2
Universal Savings Account
A basic savings account (learn more)
$50 minimum opening deposit ~ interest compounds quarterly
- $0.01 min. balance for APY 0.05% APY2
Health Savings Account (HSA)
Designed for use with a high deductible health plan (learn more)
$50 minimum opening deposit ~ interest compounds monthly
- $10,000 min. balance for APY 0.16 APY2
- $5,000 min. balance for APY 0.11% APY2
- $2,500 min. balance for APY 0.06% APY2
- $1,000 min. balance for APY 0.03% APY2
- $0.01 min. balance for APY 0.01% APY2
Legacy Checking
Traditional interest bearing checking account (learn more)
$1,000 minimum opening deposit ~ interest compounds monthly
- $1,000 min. balance for APY 0.04% APY2
Stop in to any branch location to open a Legacy Checking Account.
Certificate of Deposit (CD) Rates
EFFECTIVE SINCE Friday February 19, 2021
Triple Option CD
A certificate of deposit with flexibility (learn more)
Rates also apply to IRAs
| Term | $2,000 Min. Balance3 for APY4 | $10,000 Min. Balance3 for APY4 | $25,000 Min. Balance3 for APY4 | $75,000 Min. Balance3 for APY4 |
| 6 Month | 0.14% | 0.14% | 0.14% | 0.14% |
| 12 Month | 0.18% | 0.18% | 0.18% | 0.18% |
| 24 Month | 0.24% | 0.24% | 0.24% | 0.24% |
| 36 Month | 0.24% | 0.26% | 0.28% | 0.30% |
| 48 Month | 0.24% | 0.26% | 0.28% | 0.30% |
| 60 Month | 0.26% | 0.28% | 0.30% | 0.32% |
CDs not available for new accounts
Heritage Bank Rate Sheet
| Term | $2,000 Min. Balance3 for APY4 | $10,000 Min. Balance3 for APY4 | $25,000 Min. Balance3 for APY4 | $75,000 Min. Balance3 for APY4 |
| Triple Option CD – 3 Month | 0.08% | 0.08% | 0.08% | 0.08% |
| Option Plus CD – 36 Month | 0.09% | 0.11% | 0.13% | 0.15% |
| Option Plus CD – 48 Month | 0.09% | 0.11% | 0.13% | 0.15% |
| Option Plus CD – 60 Month | 0.11% | 0.13% | 0.15% | 0.17% |
1 Must meet monthly requirements to receive qualifying interest rates. Once you meet the monthly qualifications, interest will be recalculated at the appropriate interest rate and eligible fees will be refunded.
Heritage Bank Mortgage Rates
2 APY = annual percentage yield. Fees may reduce earnings. Interest rate may change after the account is opened.
Heritage Bank Cd Rates
3 Minimum balance to open the account and to obtain the stated APY
4 APY = annual percentage yield. Fees may reduce earnings.
The current 91-Day T-Bill interest rate is at .03% effective 03/01/2021
Certificate of Deposit Rates (Includes IRAs)
| Term | Interest Rate | Annual Percentage Yield |
|---|---|---|
| 30 Days | 0.05% | 0.05% |
| 60 Days | 0.10% | 0.10% |
| 91 Days | 0.15% | 0.15% |
| 182 Days | 0.30% | 0.30% |
| 1 Year | 0.45% | 0.45% |
| 18 Months | 0.50% | 0.50% |
| 2 Years | 0.65% | 0.65% |
| 30 Months | 0.75% | 0.75% |
| 3 Years | 0.85% | 0.85% |
| 4 Years | 0.90% | 0.90% |
| 5 Years | 1.00% | 1.00% |
- Rates are effective as of 3/3/2021
- Minimum Deposit - $1,000
- Posted rates are subject to change at any time without prior notice
- Early withdrawal may be subject to penalty
Once a Certificate of Deposit is purchased the rate is set through maturity.
CD Special (Includes IRAs)
Heritage Bank Interest Rate
| Term | Interest Rate | Annual Percentage Yield |
|---|
- Rates are effective as of 3/3/2021
- Minimum Deposit - $1,000
- Posted rates are subject to change at any time without prior notice
- Early withdrawal may be subject to penalty
Once a Certificate of Deposit is purchased the rate is set through maturity.
Checking & Savings Account Rates
Heritage Bank Term Deposit Rates
Account | Tier | Interest Rate | Annual Percentage Yield |
|---|---|---|---|
Heritage Brilliant (Formerly Gold) | $0.01 to $29,999.99 | 0.10% | 0.10% |
| $30,000.00 and over | 0.10% | 0.10% | |
Heritage Checking & Senior Accounts (Formerly Silver) | One tier | 0.10% | 0.10% |
Heritage Health Savings | $0.01 to $1,499.99 | 0.10% | 0.10% |
| $1,500.00 to $4,999.99 | 0.10% | 0.10% | |
| $5,000 and over | 0.10% | 0.10% | |
Heritage Money Market (Business & Personal) | $0.01 to $24,999.99 | 0.15% | 0.15% |
| $25,000.00 to $49,999.99 | 0.21% | 0.21% | |
| $50,000.00 to $99,999.99 | 0.26% | 0.26% | |
| $100,000.00 and over | 0.36% | 0.36% | |
Heritage Savings | Personal | 0.10% | 0.10% |
| Business | 0.10% | 0.10% | |
| Youth | 0.10% | 0.10% | |
Business NOW | One tier | 0.10% | 0.10% |
| Earnings Credit - Business Accounts | Account Analysis | 0.10% | N/A |
Heritage Bank Term Deposit Rates
- Rates are effective as of 3/3/2021 rates may change after the account is opened
- Fees may reduce earnings
- Heritage Checking, Brilliant & Senior Accounts - Interest bearing, paid monthly on daily ledger balances when greater than $1,000
- Heritage Health Savings Accounts - Interest bearing, paid monthly on daily ledger balances when greater than $500