Certificates of Deposit (CDs)
A Certificate of Deposit (CD) is a short to medium-term, FDIC insured investment. Interest is determined by the minimum amount deposited into the CD and the term.
CDs are beneficial for those who have extra money sitting in a Checking or Savings Account that they may not need for a certain period of time. CD interest rates are typically greater than checking or savings rates, and are a great way to put money aside for a future vacation, extra holiday cash, or just to have your money in a safe place for a longer period of time.
At Heritage Bank, we offer CDs with various minimum opening balances and terms to meet your specific needs. Click here to see current opening balance amounts and rates for our competitive CDs or visit any of our convenient branches.
- 31-day Certificate* - Interest is credited to the account at maturity.
- 91-day to 60-month Certificates* - Interest is compounded and credited to the account monthly.
- 30-month Opt-Up Certificates* - If rate go up during the term of this CD, you may request a one-time rate increase.
* penalty for early withdrawal.
This is not a complete disclosure of account guidelines and fees. Please see a customer service representative for rates and complete details.