Savings Rates
Dividend rates and Annual Percentage Yields (APY) effective as of November 13th, 2009 unless otherwise noted and are subject to change.
Announcing a unique new share certificate from Heritage Federal Credit Union called, "Dividend Now."
| Savings & Investment Rates | |||
| Account Type | Dividend Rate % |
APY % |
Compound Frequency |
| Share/Savings ($100 - $9,999) $5 savings required for membership |
0.60 | 0.60 | Monthly |
| Share/Savings ($10,000 - $24,999) | 0.80 | 0.80 | Monthly |
| Share/Savings ($25,000 & up) | 1.00 | 1.00 | Monthly |
| Christmas Club | 1.00 | 1.00 | Monthly |
| Special Club ($100 - $9,999) | 0.60 | 0.60 | Monthly |
| Special Club ($10,000 - $24,999) | 0.80 | 0.80 | Monthly |
| Special Club ($25,000 & up) | 1.00 | 1.00 | Monthly |
| Kirby Kangaroo for Kids ($0 - $9,999) | 0.60 | 0.60 | Monthly |
| Kirby Kangaroo for Kids ($10,000 - $24,999) | 0.80 | 0.80 | Monthly |
| Kirby Kangaroo for Kids ($25,000 & up) | 1.00 | 1.00 | Monthly |
| Merit Checking ($500 min.) | 0.50 | 0.50 | Monthly |
| Merit Checking ($1,000 min.) | 0.75 | 0.75 | Monthly |
| Future Advantage Checking (members age 24 and under) | 0.75 | 0.75 | Monthly |
| Prime Advantage Checking (age 50 and better) | 0.75 | 0.75 | Monthly |
| Free Access Checking | Non-dividend Bearing | ||
| Money Market ($1,000 to $9,999) $1,000 balance required to earn stated APY. |
0.75 | 0.75 | Monthly |
| Money Market ($10,000 to $24,999) | 1.00 | 1.00 | Monthly |
| Money Market ($25,000 & up) | 1.25 | 1.26 | Monthly |
| Graduate Planning Account (GPA) *Same as 1-year share certificate |
* | * | Monthly |
| 90 Day Notice IRA | 1.25 | 1.26 | Monthly |
| Prime Performance Savings ($10,000 to $24,999) $10,000 balance required to earn stated APY. |
1.00 | 1.00 | Monthly |
| Prime Performance Savings ($25,000 to $49,999) $25,000 balance required to earn stated APY. |
1.24 | 1.25 | Monthly |
| Prime Performance Savings ($50,000 to $99,999) $50,000 balance required to earn stated APY. |
1.49 | 1.50 |
Monthly |
| Prime Performance Savings ($100,000 and up) $100,000 balance required to earn stated APY. |
1.74 | 1.75 | Monthly |
| Annual Percentage Yields accurate as of stated date and are subject to change. Fees or other conditions could reduce the earnings on these accounts. Rates may change after accounts are open. A penalty may be imposed for early withdrawal from the 90-day notice IRA. Penalty may equal 90-days dividends on the amount withdrawn. | |||
| Share Certificate Rates | |||
| Term | Dividend Rate % |
APY % |
Compound Frequency |
| 91-Day ($2,500 min.) | 1.24 | 1.25 | Monthly |
| 6-month ($2,500 min.) | 1.39 | 1.40 | Monthly |
| 1-year Dividend Now ($5,000 min.) | 1.74 | 1.74 | None |
| 1-year ($500 min.) | 1.74 | 1.75 | Monthly |
| 2-year Dividend Now ($5,000 min.) | 2.23 | 2.23 | None |
| 2-year ($500 min.) | 2.23 | 2.25 | Monthly |
| 3-year ($500 min.) | 2.47 | 2.50 | Monthly |
| 4-year ($500 min.) | 2.52 | 2.55 | Monthly |
| 5-year ($500 min.) | 2.96 | 3.00 | Monthly |
| Annual Percentage Yields accurate as of stated date and are subject to change. Fees or other conditions could reduce the earnings on these accounts. Penalties may be imposed for early withdrawal. Penalty for the 91-day to 1-year certificates may equal 90-days dividends on the amount withdrawn. Penalty imposed on terms over 1-year share certificates may equal 180-days dividends on the amount withdrawn. The penalty for the 1-year Dividend Now certificate may equal 90 days dividends on the amount withdrawn subject to penalty plus any prepaid unearned dividends. The penalty for the 2-year Dividend Now certificate may equal 180 days dividends on the amount withdrawn subject to penalty plus any prepaid unearned dividends. The penalty will, if necessary, be taken from the principal amount of the deposit. Dividend payouts on the 2-year Dividend Now certificate can not remain on the account and are required to be paid out. | |||
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