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.

Savings & Checking Rates

Today’s Date is March 6th, 2021

.Step Up CD (you may step up the rate once each term) All CD’s reflect quarterly compounding except 1 Month CD. Minimum deposit to open is $1,000 for adults; $500 for minors. $0 minimum balance to. Term Deposits 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. A advance notice term deposit is a term deposit where the institution allows you to withdraw the money earlier than the end of the term, if you pay a penalty fee and give advance notice of 31 days. Advance notice term deposits often have a slightly higher interest rate than standard term deposits. 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.

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 greater¹0.19% 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

Heritage Business Term Deposit Rates

$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

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

Bank Term Deposit Interest Rates

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 Best pokies 2020. 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.

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

Term Deposit Rates Australia

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

Heritage Term Deposit Rates