Heritage Bank Term Deposit Rates

Savings & Checking Rates

• Heritage Bank Savings Account Rates
• Heritage Bank Term Deposit Interest Rates
• Heritage Bank Interest Rate
• Indian Bank Term Deposit Rates
• Heritage Bank Mortgage Rates

• Large deposits can be insured for more than $250,000. Allow one of our professionals to show you how we can help. To find out more about CDs with Heritage Bank contact a Customer Service.
• For more information about our interest rates and products phone our Queensland based Contact Centre on 13 14 22 or drop into your local Heritage Bank branch. You can find out more information about types of interest rates, including variable, fixed, partially-fixed and introductory 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.

Today's Date is March 6th, 2021

EFFECTIVE SINCE Friday February 19, 2021

eCentive Account

Certificates of Deposit (CDs) If you want your cash to grow faster with very little risk, a CD is a smart option. CDs are timed deposits, meaning you agree to park your money for a predetermined period of time, or term. In general, the longer the term.

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

Heritage Bank Savings Account Rates

Traditional interest bearing checking account (learn more)
$1,000 minimum opening deposit ~ interest compounds monthly

• $1,000 min. balance for APY 0.04% APY²

• $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

Heritage Bank Savings Account Rates

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

Heritage Bank Term Deposit Interest Rates

A certificate of deposit with flexibility (learn more)
Rates also apply to IRAs

CDs not available for new accounts

Heritage Bank Interest Rate

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.

³ Minimum balance to open the account and to obtain the stated APY

Indian Bank Term Deposit Rates

⁴ APY = annual percentage yield. Fees may reduce earnings.

Heritage Bank Mortgage Rates

The current 91-Day T-Bill interest rate is at .03% effective 03/01/2021