Certificates of Deposit (CDs) & Individual Retirement Accounts (IRAs)
Reach short-term and long-term goals with Heritage high-yield savings account rates.
CDs
Lock it in today and let the compound interest add up.
- Terms of one to 60 months
- $1,000 minimum deposit
- Fixed rates
- No fees
- Early withdrawal penalties may apply*
*An early withdrawal penalty will not be imposed following the death of an account holder or for extenuating health issues.
Deposits are insured by the Federal Deposit Insurance Corporation (FDIC) to at least $250,000 for each depositor while IRAs are separately insured up to $250,000 by the FDIC. For complete information on FDIC insurance, please contact a Heritage Bank & Trust Client Banker at your local branch or consult the FDIC website.
Effective Date: 2/5/2025
| Term | APR | APY |
|---|---|---|
| 6-Month | 2.00 | 2.00 |
| 12-Month | 2.50 | 2.50 |
| 18-Month | 2.50 | 2.50 |
| 24-Month | 1.50 | 1.50 |
| 36-Month | 3.00 | 3.00 |
| 48-Month | 3.00 | 3.00 |
| 60-Month | 3.00 | 3.00 |
| 7-Month Special | 3.95 | 3.95 |
| 15-Month Special | 3.55 | 3.55 |
Early Withdrawal Penalties
0 to <12 months | 9 months interest |
12 to <24 months | 12 months interest |
24 to <47 months | 24 months interest |
48 months and up | 36 months interest |
Early withdrawals subject to penalty.
IRAs
Pay your future self with a Traditional or Roth IRA.
- FDIC-insured up to $250,000
- $1,000 minimum deposit
- Fixed rates, compounded at maturity
- No age eligibility requirements
- No annual contribution requirements
Effective Date: 2/5/2025
| Feature | Traditional IRA | Roth IRA |
|---|---|---|
| Income Limits | None | Single – Under $161,000 Married, filing jointly – under $240,000 Married, filing individually – $0-$10,000 |
| Annual Contributions | Not required | Not required |
| Maximum Annual Contributions | $7,000; $8,000 if over age 50 | $7,000; $8,000 if over age 50 |
| Spousal Contributions | Accepted | Accepted |
IRAs are insured up to $250,000 by the FDIC. For complete information on FDIC insurance please contact a Heritage Bank & Trust Client Banker at your local branch or consult the FDIC website
Business CDs
Save funds for future business needs at a higher CD rate.
- Terms of one to 60 months
- $1,000 minimum deposit
- Fixed rates
- No fees
- Early withdrawal penalties may apply*
*An early withdrawal penalty will not be imposed following the death of a business owner who is an account owner on the CD.
Deposits are insured by the Federal Deposit Insurance Corporation (FDIC) to at least $250,000 for each depositor. For full account details and disclosures, visit us at one of our locations or contact a Heritage Bank & Trust Client Banker at your local branch.
Great Rate Checking
Our most popular interest checking account pays you 5% APY* and refunds ATM fees with minimal monthly requirements.
Great Rate Savings
Rack up the interest on your Great Rate Checking Account with automatic rewards transfers into this companion savings account.
Blog Headline
In this block we can show blogs based off of categories/tags
(931) 388-1970
Blog
Find a Branch
