Savings & Checking Rates
- Heritage Term Deposit Rates Hdfc Bank
- Heritage Bank Term Deposit Rates
- What Are The Best Term Deposit Rates
- Canadian Term Deposit 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
- Term Deposits are a low risk, low maintenance savings option if you’re looking for an easy way to start saving, or create a longer-term savings solution. With competitive Term Deposit rates and choice of term, know you’ll always have access to great rates.
- Thereafter, your interest rate cannot increase or decrease by more than two percentage points (2.00%) at each change date ('Periodic Interest Rate Cap'). Your interest rate cannot increase by more than five percentage points (5.00%) above the initial interest rate over the term of the loan ('Lifetime Interest Rate.
- With terms of 3, 4, 5, 6, 7, 9, 12, 36, 48 and 60 months – interest paid at maturity, 6 months or every month – a Bank of Heritage Isle Term Deposit is as flexible as you require it to be. Interest Paid at.
- .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.
- 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
Heritage Term Deposit Rates Hdfc Bank
- $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
| 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.
2 APY = annual percentage yield. Fees may reduce earnings. Interest rate may change after the account is opened.
Heritage Bank Term Deposit 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
| Account Type | Rate | Annual Percentage Yield |
|---|---|---|
| Share (Savings) | 0.15% | 0.15% |
| Christmas Club | 0.15% | 0.15% |
| RoundUP | 0.15% | 0.15% |
| Special Club | 0.15% | 0.15% |
| Individual Retirement Accounts | Rate | Annual Percentage Yield |
|---|---|---|
| Accumulation Account | 0.25% | 0.25% |
Rates disclosed are the previous quarters' declared dividend rate. Share account rates are declared at the end of the dividend period and are subject to change quarterly.
| Share Draft (Checking) | Rate | Annual Percentage Yield |
|---|---|---|
| $0 - $999.99 | N/A | N/A |
| $1000 - $4999.99 | 0.05% | 0.05% |
| $5000 - and above | 0.10% | 0.10% |
| Gold Share Money Market Account | Rate | Annual Percentage Yield |
|---|---|---|
| $2,500 - $9,999.99 | 0.25% | 0.25% |
| $10,000 - $49,999.99 | 0.35% | 0.35% |
| $50,000 - $99,999.99 | 0.45% | 0.45% |
| $100,000 - $199,999.99 | 0.55% | 0.55% |
| $200,000 - and above | 0.65% | 0.65% |
What Are The Best Term Deposit Rates
Rates disclosed are the previous months' declared dividend rate for these types of accounts.
Rates are subject to change monthly.
Canadian Term Deposit Rates
| Share Certificate Accounts | Rate | Annual Percentage Yield |
|---|---|---|
| Six Month | 0.50% | 0.50% |
| One Year | 0.65% | 0.65% |
| Two Years | 0.75% | 0.75% |
| Three Years | 0.80% | 0.80% |
| Five Years | 0.95% | 0.95% |
Rates are Subject to Change
IRA Share Certificate Accounts - Same as Share Certificates
All regular share and share certificate dividends are compounded quarterly, except six-month share certificate rates which are paid at maturity. Annual percentage yield quoted assumes quarterly compounding. Alternately dividends on share certificates may be deposited to another credit union account monthly or quarterly or paid by check monthly or quarterly. (Consult with the IRA administrator before requesting dividend payouts on IRA accounts.) Share Draft & Gold Share Money Market account dividends are paid monthly.
| 'Happy Birthday Money' Certificate Accounts | Rate | Annual Percentage Yield |
|---|---|---|
| $100 - $500 | 3.00% | 3.00% |
| $500 and above | Same as rate for One Year Certificate | |
Rates are Subject to Change. Limit one Happy Birthday Certificate per member. This offer, including the stated APY, is effective June 1, 2020. Heritage South Community Credit Union reserves the right to end or modify this offer at any time. Penalty for early withdrawal. The Happy Birthday Certificate has a $100 minimum deposit and a $500 maximum deposit to earn the special rate. Additional deposits are allowed above the $500, but the rate on funds above the $500 maximum will earn dividends at the prevailing dividend rate of the standard one year certificate. Certificate owner(s) must have a Chipmunk, Squirrel, or Teen Cache account on the certificate issue date. If there is no Chipmunk, Squirrel, or Teen Cache account or the Chipmunk, Squirrel, or Teen Cache account is closed, your Happy Birthday Certificate dividend rate will be reduced to the prevailing dividend rate of the standard one year for the remainder of the certificate’s term. Learn more about our accounts for kids and teens.