Deposit Rates
| Account Type | Rate | Annual Percentage Yield |
|---|---|---|
| Share (Savings) | 0.25% | 0.25% |
| Christmas Club | 0.25% | 0.25% |
| RoundUP | 0.25% | 0.25% |
| Special Club | 0.25% | 0.25% |
| 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. Fees may reduce earnings.
| 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 | 0.85% | 0.85% |
| $10,000 - $49,999.99 | 1.05% | 1.05% |
| $50,000 - $99,999.99 | 1.20% | 1.21% |
| $100,000 - $199,999.99 | 1.40% | 1.41% |
| $200,000 - and above | 3.50% | 3.56% |
Rates disclosed are the previous months' declared dividend rate for these types of accounts. Rates are subject to change monthly. Fees may reduce earnings.
| Share Certificate Accounts | Rate | Annual Percentage Yield |
|---|---|---|
| Six Month | 4.30% | 4.35% |
| One Year | 4.10% | 4.17% |
| Two Years | 3.50% | 3.55% |
| Three Years | 3.00% | 3.03% |
| Five Years | 3.25% | 3.29% |
Rates are Subject to Change. A penalty may be imposed for early withdrawals from certificate accounts. Fees may reduce earnings.
IRA Share Certificate Accounts - Same as Share Certificates
All regular share and share certificate dividends are compounded quarterly, except any share certificate with a term of less than one year, which is 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. Fees may reduce earnings. 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.