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%

Individual Retirement Accounts	Rate	Annual Percentage Yield
Accumulation Account	0.25%	0.25%

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

Term Deposits are a low risk, low maintenance savings option if you’re looking for an easy way to start saving, or create a longer-term savings solution. With competitive Term Deposit rates and choice of term, know you’ll always have access to great rates. Online casino big bonus. For more information about our interest rates and products phone our Queensland based Contact Centre on 13 14 22 or drop into your local Heritage Bank branch. You can find out more information about types of interest rates, including variable, fixed, partially-fixed and introductory rates.

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Heritage Business Term Deposit Rates

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.

Bank Term Deposit Interest Rates

'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

What Are The Best Term Deposit Rates

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.

Heritage Term Deposit Rates