Heritage Bank Rates

Certificate of Deposit         Interest Rates:

Effective May 17, 2010

14 MONTH SPECIAL
$1,000-$9,999 $10,000-$24,999 $25,000+  
Interest Rate APY*@ Interest Rate APY*@ Interest Rate APY*@ 
1.59% 1.60% 1.59% 1.60% 1.59% 1.60% 

25 MONTH SPECIAL
$1,000-$9,999 $10,000-$24,999 $25,000+  
Interest Rate APY*@ Interest Rate APY*@ Interest Rate APY*@ 
1.94% 1.95% 1.94% 1.95% 1.94% 1.95% 

35 MONTH SPECIAL
$1,000-$9,999 $10,000-$24,999 $25,000+  
Interest Rate APY*@ Interest Rate APY*@ Interest Rate APY*@ 
2.28% 2.30% 2.28% 2.30% 2.28% 2.30% 

45 MONTH SPECIAL
$1,000-$9,999 $10,000-$24,999 $25,000+  
Interest Rate APY*@ Interest Rate APY*@ Interest Rate APY*@ 
2.67% 2.70% 2.67% 2.70% 2.67% 2.70% 



Interest Rate APY*
SAVINGS 0.50% 0.50%
NOW** 0.25% 0.25%
MONEY MARKET INVESTMENT ACCOUNT 
$2,500 - $9,999 0.85% 0.85%
$10,000 + 1.24% 1.25%
On all CD products and IRA accounts listed above, there are penalties for early withdrawal. Fees may reduce earnings. Ask for additional information. 
IRA accounts may also be offered for special interest rates indicated. 
*APY - Annual Percentage Yield 
**Minimum balance to open is $500 
@ Interest on 14 month, 25 month, 35 month and 45 month specials are compounded and credited on a quarterly basis. All other CD’s are compounded and credited on a semi-annual basis. 
ALL RATES ARE SUBJECT TO CHANGE AT ANY TIME.