Heritage Term Deposit Rates

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Heritage Term Deposit Rates Rating: 5,0/5 6823 reviews
  1. Canadian Term Deposit Rates
  2. Top Term Deposit Rates
  3. Term Deposit Rates Canada
  4. Term Deposit Rates Australia
Account TypeRateAnnual Percentage Yield
Share (Savings)0.15%0.15%
Christmas Club0.15%0.15%
RoundUP0.15%0.15%
Special Club0.15%0.15%
Individual Retirement AccountsRateAnnual Percentage Yield
Accumulation Account0.25%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)RateAnnual Percentage Yield
$0 - $999.99N/AN/A
$1000 - $4999.990.05%0.05%
$5000 - and above0.10%0.10%
Gold Share Money Market AccountRateAnnual Percentage Yield
$2,500 - $9,999.990.25%0.25%
$10,000 - $49,999.990.35%0.35%
$50,000 - $99,999.990.45%0.45%
$100,000 - $199,999.990.55%0.55%
$200,000 - and above0.65%0.65%
Rates

Rates disclosed are the previous months' declared dividend rate for these types of accounts.
Rates are subject to change monthly.

  1. 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.
  2. At Heritage Credit Union, our wide selection of term deposit products offers you excellent value for your deposit dollar. Choose from many redeemable and non-redeemable, short- and long-term, regular.

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.

Share Certificate AccountsRateAnnual Percentage Yield
Six Month0.50%0.50%
One Year0.65%0.65%
Two Years0.75%0.75%
Three Years0.80%0.80%
Five Years0.95%0.95%

Rates are Subject to Change

IRA Share Certificate Accounts - Same as Share Certificates

Canadian Term Deposit Rates

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 AccountsRateAnnual Percentage Yield
$100 - $5003.00%3.00%
$500 and aboveSame as rate for One Year Certificate

Top Term Deposit Rates

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.

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

Term

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
Heritage Term Deposit Rates

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

Deposit
  • $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 Month0.14%0.14%0.14%0.14%
12 Month0.18%0.18%0.18%0.18%
24 Month0.24%0.24%0.24%0.24%
36 Month0.24%0.26%0.28%0.30%
48 Month0.24%0.26%0.28%0.30%
60 Month0.26%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 Month0.08%0.08%0.08%0.08%
Option Plus CD – 36 Month0.09%0.11%0.13%0.15%
Option Plus CD – 48 Month0.09%0.11%0.13%0.15%
Option Plus CD – 60 Month0.11%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.

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

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

Term Deposit Rates Canada

Heritage term deposit rates 2020

Term Deposit Rates Australia

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