Heritage Family Credit Union- Deposit Rates

Table data for Share Savings Rates
Effective 12-06-2023
Account Type ¹	APY ²	Rate
Share Savings Account	.25%	.25%

Special Purpose Savings Accounts (Holiday, Vacation, Fuel, Tax, etc.)	.25%	.25%

All rates subject to change without notice. For all accounts, the Credit Union may limit all cash withdrawals to $2,000.00 per day.

Table data for Share Draft Checking Account Rates
Effective 12-06-2023
Account Type ³	APY ²	Rate
Basic Checking Account	.00%	.00%

Premier Checking Account	.05%	.05%

All rates subject to change without notice. For all accounts, the Credit Union may limit all cash withdrawals to $2,000.00 per day.

Table data for Health Savings Account (HSA) Rates
Effective 12-06-2023
Balance Requirement	APY ²	Rate
$0 - $4,999.99	.20%	.20%

$5,000 & Up	.40%	.40%

All rates subject to change. For all accounts, the Credit Union may limit all cash withdrawals to $2,000.00 per day.

Table data for Individual Retirement Account (IRA) Shares/Payroll Rates
Effective 12-06-2023
Account Type	APY ²	Rate
IRA Shares/Payroll	.15%	.15%

All rates subject to change without notice. For all accounts, the Credit Union may limit all cash withdrawals to $2,000.00 per day.

Table data for Term Share Certificate (CD) Rates
Effective 12-06-2023
Term ⁴	APY ²	Rate
3 Month	2.25%	2.23%

6 Month	2.50%	2.47%

12 Month	4.20%	4.12%

24 Month	3.40%	3.35%

36 Month	3.50%	3.45%

18 month - IRA Term Share Certificate ⁵	3.00%	2.96%

All rates subject to change without notice. For all Term Share Certificates, after your account is opened, you may make withdrawals subject to the early withdrawal penalty outlined in the disclosure. For all accounts, the Credit Union may limit all cash withdrawals to $2,000.00 per day.

Table data for Premier Term Share Certificate Rates
Effective 12-06-2023
Term ⁴	APY ²	Rate
12 month	4.50%	4.41%

24 month	3.70%	3.64%

36 month	3.80%	3.74%

All rates to change without notice. For all Term Share Certificates, after your account is opened, you may make withdrawals subject to the early withdrawal penalty outlined in the disclosure. For all accounts, the Credit Union may limit all cash withdrawals to $2,000.00 per day. Members must be Premier Checking Members in order to open Premier Term Share Certificates.

Table data for Money Market Share Accounts
Effective 12-06-2023
Balance Requirement ⁴	APY ²	Rate
$1,000 - $19,999.99	1.30%	1.29%

$20,000 - $34,999.99	1.55%	1.54%

$35,000 - $49,999.99	1.70%	1.69%

$50,000 & Up	2.00%	1.98%

All rates subject to change without notice. For all accounts, the Credit Union may limit cash withdrawals to $2,000.00 per day.

Disclosures

¹ For share accounts, account limitations may apply.

² APY = Annual Percentage Yield

³ For share draft accounts, no limitations apply.

⁴ The minimum starting deposit for all Term Share Certificates and Money Market Share Accounts is $1,000.

⁵ $500 Minimum Deposit