| Account Type | Rate | Annual Percentage Yield |
|---|---|---|
| Share (Savings) | 0.15% | 0.15% |
| Christmas Club | 0.15% | 0.15% |
| RoundUP | 0.15% | 0.15% |
| Special Club | 0.15% | 0.15% |
- Thereafter, your interest rate cannot increase or decrease by more than two percentage points (2.00%) at each change date ('Periodic Interest Rate Cap'). Your interest rate cannot increase by more than five percentage points (5.00%) above the initial interest rate over the term of the loan ('Lifetime Interest Rate.
- Heritage Building Society was established in 1981 and is Australia's largest building society. It is based in Toowoomba, Queensland and mainly operates in the Darling Downs region.
| Individual Retirement Accounts | Rate | Annual Percentage Yield |
|---|---|---|
| Accumulation Account | 0.25% | 0.25% |
A term deposit is commonly referred to as a TD, but can also be known as a certificate of deposit or CD. There are many term deposit rates, and term deposits are simple, safe and reliable, offering a guaranteed return over a fixed period. Term Deposits Reduced rate for early redemption is 0.25% p.a. Amounts over $200,000 are accepted subject to confirmation. 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.
Rates disclosed are the previous quarters' declared dividend rate. Share account rates are declared at the end of the dividend period and are subject to change quarterly.
| Share Draft (Checking) | Rate | Annual Percentage Yield |
|---|---|---|
| $0 - $999.99 | N/A | N/A |
| $1000 - $4999.99 | 0.05% | 0.05% |
| $5000 - and above | 0.10% | 0.10% |
| Gold Share Money Market Account | Rate | Annual Percentage Yield |
|---|---|---|
| $2,500 - $9,999.99 | 0.25% | 0.25% |
| $10,000 - $49,999.99 | 0.35% | 0.35% |
| $50,000 - $99,999.99 | 0.45% | 0.45% |
| $100,000 - $199,999.99 | 0.55% | 0.55% |
| $200,000 - and above | 0.65% | 0.65% |
Rates disclosed are the previous months' declared dividend rate for these types of accounts.
Rates are subject to change monthly.
| Share Certificate Accounts | Rate | Annual Percentage Yield |
|---|---|---|
| Six Month | 0.50% | 0.50% |
| One Year | 0.65% | 0.65% |
| Two Years | 0.75% | 0.75% |
| Three Years | 0.80% | 0.80% |
| Five Years | 0.95% | 0.95% |
Rates are Subject to Change
IRA Share Certificate Accounts - Same as Share Certificates
All regular share and share certificate dividends are compounded quarterly, except six-month share certificate rates which are paid at maturity. Annual percentage yield quoted assumes quarterly compounding. Alternately dividends on share certificates may be deposited to another credit union account monthly or quarterly or paid by check monthly or quarterly. (Consult with the IRA administrator before requesting dividend payouts on IRA accounts.) Share Draft & Gold Share Money Market account dividends are paid monthly.
| 'Happy Birthday Money' Certificate Accounts | Rate | Annual Percentage Yield |
|---|---|---|
| $100 - $500 | 3.00% | 3.00% |
| $500 and above | Same as rate for One Year Certificate |
Rates are Subject to Change. Limit one Happy Birthday Certificate per member. This offer, including the stated APY, is effective June 1, 2020. Heritage South Community Credit Union reserves the right to end or modify this offer at any time. Penalty for early withdrawal. The Happy Birthday Certificate has a $100 minimum deposit and a $500 maximum deposit to earn the special rate. Additional deposits are allowed above the $500, but the rate on funds above the $500 maximum will earn dividends at the prevailing dividend rate of the standard one year certificate. Certificate owner(s) must have a Chipmunk, Squirrel, or Teen Cache account on the certificate issue date. If there is no Chipmunk, Squirrel, or Teen Cache account or the Chipmunk, Squirrel, or Teen Cache account is closed, your Happy Birthday Certificate dividend rate will be reduced to the prevailing dividend rate of the standard one year for the remainder of the certificate's term. Learn more about our accounts for kids and teens.
Savings & Checking Rates
Today's Date is March 6th, 2021
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 greater1 0.19% 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
- $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
| Account Type | Rate | Annual Percentage Yield |
|---|---|---|
| Share (Savings) | 0.15% | 0.15% |
| Christmas Club | 0.15% | 0.15% |
| RoundUP | 0.15% | 0.15% |
| Special Club | 0.15% | 0.15% |
- Thereafter, your interest rate cannot increase or decrease by more than two percentage points (2.00%) at each change date ('Periodic Interest Rate Cap'). Your interest rate cannot increase by more than five percentage points (5.00%) above the initial interest rate over the term of the loan ('Lifetime Interest Rate.
- Heritage Building Society was established in 1981 and is Australia's largest building society. It is based in Toowoomba, Queensland and mainly operates in the Darling Downs region.
| Individual Retirement Accounts | Rate | Annual Percentage Yield |
|---|---|---|
| Accumulation Account | 0.25% | 0.25% |
A term deposit is commonly referred to as a TD, but can also be known as a certificate of deposit or CD. There are many term deposit rates, and term deposits are simple, safe and reliable, offering a guaranteed return over a fixed period. Term Deposits Reduced rate for early redemption is 0.25% p.a. Amounts over $200,000 are accepted subject to confirmation. 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.
Rates disclosed are the previous quarters' declared dividend rate. Share account rates are declared at the end of the dividend period and are subject to change quarterly.
| Share Draft (Checking) | Rate | Annual Percentage Yield |
|---|---|---|
| $0 - $999.99 | N/A | N/A |
| $1000 - $4999.99 | 0.05% | 0.05% |
| $5000 - and above | 0.10% | 0.10% |
| Gold Share Money Market Account | Rate | Annual Percentage Yield |
|---|---|---|
| $2,500 - $9,999.99 | 0.25% | 0.25% |
| $10,000 - $49,999.99 | 0.35% | 0.35% |
| $50,000 - $99,999.99 | 0.45% | 0.45% |
| $100,000 - $199,999.99 | 0.55% | 0.55% |
| $200,000 - and above | 0.65% | 0.65% |
Rates disclosed are the previous months' declared dividend rate for these types of accounts.
Rates are subject to change monthly.
| Share Certificate Accounts | Rate | Annual Percentage Yield |
|---|---|---|
| Six Month | 0.50% | 0.50% |
| One Year | 0.65% | 0.65% |
| Two Years | 0.75% | 0.75% |
| Three Years | 0.80% | 0.80% |
| Five Years | 0.95% | 0.95% |
Rates are Subject to Change
IRA Share Certificate Accounts - Same as Share Certificates
All regular share and share certificate dividends are compounded quarterly, except six-month share certificate rates which are paid at maturity. Annual percentage yield quoted assumes quarterly compounding. Alternately dividends on share certificates may be deposited to another credit union account monthly or quarterly or paid by check monthly or quarterly. (Consult with the IRA administrator before requesting dividend payouts on IRA accounts.) Share Draft & Gold Share Money Market account dividends are paid monthly.
| 'Happy Birthday Money' Certificate Accounts | Rate | Annual Percentage Yield |
|---|---|---|
| $100 - $500 | 3.00% | 3.00% |
| $500 and above | Same as rate for One Year Certificate |
Rates are Subject to Change. Limit one Happy Birthday Certificate per member. This offer, including the stated APY, is effective June 1, 2020. Heritage South Community Credit Union reserves the right to end or modify this offer at any time. Penalty for early withdrawal. The Happy Birthday Certificate has a $100 minimum deposit and a $500 maximum deposit to earn the special rate. Additional deposits are allowed above the $500, but the rate on funds above the $500 maximum will earn dividends at the prevailing dividend rate of the standard one year certificate. Certificate owner(s) must have a Chipmunk, Squirrel, or Teen Cache account on the certificate issue date. If there is no Chipmunk, Squirrel, or Teen Cache account or the Chipmunk, Squirrel, or Teen Cache account is closed, your Happy Birthday Certificate dividend rate will be reduced to the prevailing dividend rate of the standard one year for the remainder of the certificate's term. Learn more about our accounts for kids and teens.
Savings & Checking Rates
Today's Date is March 6th, 2021
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 greater1 0.19% 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
- $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
Heritage Term Deposit Rates 2020
- $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
Term Deposit Rates Australia
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
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 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
4 APY = annual percentage yield. Fees may reduce earnings.
The current 91-Day T-Bill interest rate is at .03% effective 03/01/2021
