Heritage Bank Rates

Certificate of Deposit         Interest Rates:

12 MONTH SPECIAL                    

 $1,000-$9,999                    $10,000-$24,999                     $25,000+

Interest Rate   APY*       Interest Rate    APY*         Interest Rate     APY*@

   2.83%         2.85%            2.83%        2.85%            2.83%         2.85%

25 MONTH SPECIAL                    

 $1,000-$9,999                    $10,000-$24,999                     $25,000+

Interest Rate   APY*@        Interest Rate    APY*@       Interest Rate     APY*@

   3.455%         3.50%            3.455%        3.50%            3.455%         3.50%

38 MONTH SPECIAL                    

 $1,000-$9,999                    $10,000-$24,999                     $25,000+

Interest Rate   APY*@        Interest Rate    APY*@       Interest Rate     APY*@

   3.94%         4.00%            3.94%           4.00%              3.94%         4.00%

SAVINGS                              0.85%        0.85%

NOW**                                  0.55%        0.55%

MONEY MARKET INVESTMENT ACCOUNT          

$2,500 - $9,999                     1.49%        1.50%

$10,000 +                             1.99%        2.00%

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 $1,000

@ Interest on 25 month and 38 month specials are compounded and credited on a quarterly basis.  All other CD’s (including the 12 month special) are compounded and credited on a semi-annual basis.