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Rates

Certificates of Deposit

A penalty may be imposed for early withdrawal.

ProductMinimum Opening DepositMinimum Balance to Obtain Annual Percentage YieldCompounds…Interest RateAPY
91-Day Certificate of Deposit$500at Maturity1.50%1.50%
182-Day Certificate of Deposit$500at Maturity1.65%1.65%
5-Month Certificate of Deposit$2,500at Maturity4.15%4.20%
7-Month Certificate of Deposit$2,500at Maturity4.00%4.03%
9-Month Certificate of Deposit$500Quarterly3.85%3.91%
12-Month Certificate of Deposit$500Quarterly 2.25%
2.27%
17-Month Certificate of Deposit$500Semi-Annually3.45%3.48%
18-Month Certificate of Deposit$500Semi-Annually 2.25%2.26%
24-Month Certificate of Deposit$500 Semi-Annually 2.25%2.26%
30-Month Certificate of Deposit$500Semi-Annually 2.25%
2.26%
30-Month Option Certificate of Deposit *$1000Semi-Annually 3.00%3.02%
48-Month Certificate of Deposit$500 Semi-Annually 2.50%2.51%
60-Month Certificate of Deposit $500Semi-Annually 2.50%
2.51%

* The interest rate and annual percentage yield may change after account opening.

Money Market (HIFI)

The interest rate and annual percentage yield may change after account opening. Interest credit to account monthly.

Average Daily BalanceInterest RateAPY
$0.00 to $2,499.990.10%0.10%
$2,500.00-24,999.991.50%1.51%
$25,000.00-99,999.992.50%2.53%
$100,000.00 and up3.50%3.56%

1st Heritage Club Money Market (HIFI)

The interest rate and annual percentage yield may change after account opening. Interest credit to account monthly.

Average Daily BalanceInterest RateAPY
$0.00 to $2,499.990.10%0.10%
$2,500.00-24,999.991.50% 1.51%
$25,000.00-99,999.992.50%2.53%
$100,000.00 and up3.50%3.56%

IRA Savings

Compounds…Interest RateAPY
Quarterly3.75%3.79%

Savings Accounts

The interest rate and annual percentage yield may change after account opening. Interest credit to account monthly.

ProductMinimum Opening DepositCompounds…Interest RateAPY
Passbook Savings Account$0Quarterly0.20%0.20%
1st Kids Klub Savings Account$1Quarterly0.20%0.20%

Checking Accounts (Super Now)

ProductCompounds…Interest RateAPY
Super Now Checking Monthly0.10%0.10%
1st Heritage Club Super Now CheckingMonthly0.10%0.10%

Disclosures: 
Fees could reduce the earnings on the account.
Interest rates and annual percentage yields are current as of 12/19/2024.

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