Don’t blow it – Grow the Refund!

Many of our members are wondering – what do I do with my tax refund? Don’t blow it! GROW your refund with Heritage South’s Grow the Refund Certificate! This limited-time offer gives you the ability to save for the next big thing – or to set aside money for when those unexpected turns in life happen. Our Grow the Refund 12 Month Certificates require a deposit between $500 and $3,000 and earn 3.34% APY*, credited annually. If you need access to your funds before the end of the 12 month term, you must withdraw the entire balance of the certificate and will not receive any dividends on the certificate – otherwise there is no early withdrawal penalty. If no withdrawal is made, your refund just grew larger! It’s yet another way that “We Help When Others Won’t!”

 Account Type Interest Rate APY*
 12 Month Grow the Refund Certificate  3.34%  3.34%
Minimum deposit: $500, Maximum Deposit: $3,000
Early Withdrawal: If you withdraw the funds before the end of the certificate term, you must withdraw the entire balance of the certificate and will not receive any dividends.
Limited time offer ends April 30, 2019. Limit one Grow the Refund Certificate per member.


*APY = Annual Percentage Yield
Download Truth in Savings Disclosure for this certificate