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DEPOSIT ACCOUNT INTEREST RATES

Deposit Rates

 

CD Specials

Take advantage of today's great rates with our current CD specials. Interest rates and annual percentage yields (APYs) are current as of September 28, 2026.

Grow your savings faster with special rates on CDs.

13-MONTH CELEBRATION CD: Earn 4.00% APY on balances $25,000 and over
13-MONTH CELEBRATION CD: Earn 3.30% APY on balances under $25,000

 

Actual APY is based on opening deposit amount.
Select the county of your Heritage branch below and click on CD Specials for applicable rates, balance requirements, and other terms and disclosures.

 
 

Current Deposit Rates

Checking, savings, CDs and more.
Please select the county of your Heritage branch to find the deposit rates that apply to you.

Current Deposit Interest Rates

Interest rates and annual percentage yields (APYs) are current as of September 28, 2026.

Product Name Minimum Deposit to Open Balance Tiers1 Interest Rate (%) APY (%)
3-5 Month Flex-Term CD4 $2,500 Up to $24,999.99 3.34 3.40
$25,000-$49,999.99 3.44 3.50
$50,000+ 3.44 3.50
Anniversary CD2
9 Months		 $2,500 Up to $24,999.99 3.54 3.60
$25,000-$49,999.99 3.63 3.70
$50,000+ 3.63 3.70
Celebration CD2
13 Months		 $2,500 Up to $24,999.99 3.25 3.30
$25,000-$49,999.99 3.92 4.00
$50,000+ 3.92 4.00
Product Name Minimum Deposit to Open Balance Tiers1 Interest Rate (%) APY (%)
Summit Checking $100 Up to $9,999.99 0.02 0.02
$10,000-$24,999.99 0.02 0.02
$25,000-$49,999.99 0.04 0.04
$50,000+ 0.05 0.05
Premier Checking $100 Up to $9,999.99 0.02 0.02
$10,000-$24,999.99 0.04 0.04
$25,000-$49,999.99 0.06 0.06
$50,000-$99,999.99 0.10 0.10
$100,000-$249,999.99 0.30 0.30
$250,000-$499,999.99 0.40 0.40
$500,000-$999,999.99 0.50 0.50
$1,000,000+ 0.65 0.65
Cascade Money Market $1,000 Up to $4,999.99 0.03 0.03
$5,000-$9,999.99 0.03 0.03
$10,000-$24,999.99 0.05 0.05
$25,000-$49,999.99 0.08 0.08
$50,000-$74,999.99 0.10 0.10
$75,000-$99,999.99 0.15 0.15
$100,000-$499,999.99 0.23 0.23
$500,000+ 0.30 0.30
Product Name Minimum Deposit to Open Balance Tiers1 Interest Rate (%) APY (%)
Alpine Savings3 $1003 All balances 0.04 0.04
Peak Savings $100 Up to $4,999.99 0.04 0.04
$5,000-$9,999.99 0.04 0.04
$10,000-$24,999.99 0.04 0.04
$25,000-$49,999.99 0.04 0.04
$50,000-$74,999.99 0.06 0.06
$75,000-$99,999.99 0.06 0.06
$100,000-$499,999.99 0.10 0.10
$500,000+ 0.15 0.15
 
Health Savings Account $0 Up to $999.99 0.05 0.05
$1,000-$2,499.99 0.05 0.05
$2,500-$4,999.99 0.05 0.05
$5,000-$9,999.99 0.08 0.08
$10,000+ 1.00 1.00
Product Name Minimum Deposit to Open Balance Tiers1 Interest Rate (%) APY (%)
Flex-Term CDs4
3-5 Months $2,500 Up to $24,999.99 3.34 3.40
$25,000-$49,999.99 3.44 3.50
$50,000+ 3.44 3.50
6-8 Months $2,500 Up to $24,999.99 0.25 0.25
$25,000-$49,999.99 0.30 0.30
$50,000+ 0.30 0.30
9-11 Months $2,500 Up to $24,999.99 0.30 0.30
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40
Fixed Rate CDs
12-17 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 2.47 2.50
$25,000-$49,999.99 2.47 2.50
$50,000+ 2.47 2.50
18 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 2.47 2.50
$25,000-$49,999.99 2.47 2.50
$50,000+ 2.47 2.50
19-24 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 0.40 0.40
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40
30 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 0.40 0.40
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40
36 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 0.40 0.40
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40
48 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 0.40 0.40
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40
60 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 0.40 0.40
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40

Current Deposit Interest Rates

Interest rates and annual percentage yields (APYs) are current as of September 28, 2026.

Product Name Minimum Deposit to Open Balance Tiers1 Interest Rate (%) APY (%)
3-5 Month Flex-Term CD4 $2,500 Up to $24,999.99 3.34 3.40
$25,000-$49,999.99 3.44 3.50
$50,000+ 3.44 3.50
Anniversary CD2
9 Months		 $2,500 Up to $24,999.99 3.54 3.60
$25,000-$49,999.99 3.63 3.70
$50,000+ 3.63 3.70
Celebration CD2
13 Months		 $2,500 Up to $24,999.99 3.25 3.30
$25,000-$49,999.99 3.92 4.00
$50,000+ 3.92 4.00
Product Name Minimum Deposit to Open Balance Tiers1 Interest Rate (%) APY (%)
Summit Checking $100 Up to $9,999.99 0.02 0.02
$10,000-$24,999.99 0.02 0.02
$25,000-$49,999.99 0.04 0.04
$50,000+ 0.05 0.05
Premier Checking $100 Up to $9,999.99 0.02 0.02
$10,000-$24,999.99 0.04 0.04
$25,000-$49,999.99 0.06 0.06
$50,000-$99,999.99 0.10 0.10
$100,000-$249,999.99 0.30 0.30
$250,000-$499,999.99 0.40 0.40
$500,000-$999,99.99 0.50 0.50
$1,000,000+ 0.65 0.65
Cascade Money Market $1,000 Up to $4,999.99 0.03 0.03
$5,000-$9,999.99 0.03 0.03
$10,000-$24,999.99 0.05 0.05
$25,000-$49,999.99 0.08 0.08
$50,000-$74,999.99 0.10 0.10
$75,000-$99,999.99 0.15 0.15
$100,000-$499,999.99 0.23 0.23
$500,000+ 0.30 0.30
Product Name Minimum Deposit to Open Balance Tiers1 Interest Rate (%) APY (%)
Alpine Savings3 $1003 All balances 0.04 0.04
Peak Savings $100 Up to $4,999.99 0.04 0.04
$5,000-$9,999.99 0.04 0.04
$10,000-$24,999.99 0.04 0.04
$25,000-$49,999.99 0.04 0.04
$50,000-$74,999.99 0.06 0.06
$75,000-$99,999.99 0.06 0.06
$100,000-$499,999.99 0.10 0.10
$500,000+ 0.15 0.15
 
Health Savings Account $0 Up to $999.99 0.05 0.05
$1,000-$2,499.99 0.05 0.05
$2,500-$4,999.99 0.05 0.05
$5,000-$9,999.99 0.08 0.08
$10,000+ 1.00 1.00
Product Name Minimum Deposit to Open Balance Tiers1 Interest Rate (%) APY (%)
Flex Term CDs4
3-5 Months $2,500 Up to $24,999.99 3.34 3.40
$25,000-$49,999.99 3.44 3.50
$50,000+ 3.44 3.50
6-8 Months $2,500 Up to $24,999.99 0.25 0.25
$25,000-$49,999.99 0.30 0.30
$50,000+ 0.30 0.30
9-11 Months $2,500 Up to $24,999.99 0.30 0.30
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40
Fixed Rate CDs
12-17 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 2.47 2.50
$25,000-$49,999.99 2.47 2.50
$50,000+ 2.47 2.50
18 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 2.47 2.50
$25,000-$49,999.99 2.47 2.50
$50,000+ 2.47 2.50
19-24 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 0.40 0.40
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40
30 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 0.40 0.40
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40
36 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 0.40 0.40
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40
48 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 0.40 0.40
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40
60 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 0.40 0.40
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40

Current Deposit Interest Rates

Interest rates and annual percentage yields (APYs) are current as of September 28, 2026.

Product Name Minimum Deposit to Open Balance Tiers1 Interest Rate (%) APY (%)
3-5 Month Flex-Term CD4 $2,500 Up to $24,999.99 3.34 3.40
$25,000-$49,999.99 3.44 3.50
$50,000+ 3.44 3.50
Anniversary CD2
9 Months		 $2,500 Up to $24,999.99 3.54 3.60
$25,000-$49,999.99 3.63 3.70
$50,000+ 3.63 3.70
Celebration CD2
13 Months		 $2,500 Up to $24,999.99 3.25 3.30
$25,000-$49,999.99 3.92 4.00
$50,000+ 3.92 4.00
Product Name Minimum Deposit to Open Balance Tiers1 Interest Rate (%) APY (%)
Summit Checking $100 Up to $9,999.99 0.02 0.02
$10,000-$24,999.99 0.02 0.02
$25,000-$49,999.99 0.04 0.04
$50,000+ 0.05 0.05
Premier Checking $100 Up to $9,999.99 0.02 0.02
$10,000-$24,999.99 0.04 0.04
$25,000-$49,999.99 0.06 0.06
$50,000-$99,999.99 0.10 0.10
$100,000-$249,999.99 0.30 0.30
$250,000-$499,999.99 0.40 0.40
$500,000-999,999.99 0.50 0.50
$1,000,000+ 0.65 0.65
Cascade Money Market $1,000 Up to $4,999.99 0.03 0.03
$5,000-$9,999.99 0.03 0.03
$10,000-$24,999.99 0.05 0.05
$25,000-$49,999.99 0.08 0.08
$50,000-$74,999.99 0.10 0.10
$75,000-$99,999.99 0.15 0.15
$100,000-$499,999.99 0.23 0.23
$500,000+ 0.30 0.30
Product Name Minimum Deposit to Open Balance Tiers1 Interest Rate (%) APY (%)
Alpine Savings3 $1003 All balances 0.04 0.04
Peak Savings $100 Up to $4,999.99 0.04 0.04
$5,000-$9,999.99 0.04 0.04
$10,000-$24,999.99 0.04 0.04
$25,000-$49,999.99 0.04 0.04
$50,000-$74,999.99 0.06 0.06
$75,000-$99,999.99 0.06 0.06
$100,000-$499,999.99 0.10 0.10
$500,000+ 0.15 0.15
 
Health Savings Account $0 Up to $999.99 0.05 0.05
$1,000-$2,499.99 0.05 0.05
$2,500-$4,999.99 0.05 0.05
$5,000-$9,999.99 0.08 0.08
$10,000+ 1.00 1.00
Product Name Minimum Deposit to Open Balance Tiers1 Interest Rate (%) APY (%)
Flex Term CDs4
3-5 Months $2,500 Up to $24,999.99 3.34 3.40
$25,000-$49,999.99 3.44 3.50
$50,000+ 3.44 3.50
6-8 Months $2,500 Up to $24,999.99 0.25 0.25
$25,000-$49,999.99 0.30 0.30
$50,000+ 0.30 0.30
9-11 Months $2,500 Up to $24,999.99 0.30 0.30
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40
Fixed Rate CDs
12-17 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 2.47 2.50
$25,000-$49,999.99 2.47 2.50
$50,000+ 2.47 2.50
18 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 2.47 2.50
$25,000-$49,999.99 2.47 2.50
$50,000+ 2.47 2.50
19-24 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 0.40 0.40
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40
30 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 0.40 0.40
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40
36 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 0.40 0.40
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40
48 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 0.40 0.40
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40
60 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 0.40 0.40
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40

Current Deposit Interest Rates

Interest rates and annual percentage yields (APYs) are current as of September 28, 2026.

Product Name Minimum Deposit to Open Balance Tiers1 Interest Rate (%) APY (%)
3-5 Month Flex-Term CD4 $2,500 Up to $24,999.99 3.34 3.40
$25,000-$49,999.99 3.44 3.50
$50,000+ 3.44 3.50
Anniversary CD2
9 Months		 $2,500 Up to $24,999.99 3.54 3.60
$25,000-$49,999.99 3.63 3.70
$50,000+ 3.63 3.70
Celebration CD2
13 Months		 $2,500 Up to $24,999.99 3.25 3.30
$25,000-$49,999.99 3.92 4.00
$50,000+ 3.92 4.00
Product Name Minimum Deposit to Open Balance Tiers1 Interest Rate (%) APY (%)
Summit Checking $100 Up to $9,999.99 0.02 0.02
$10,000-$24,999.99 0.02 0.02
$25,000-$49,999.99 0.04 0.04
$50,000+ 0.05 0.05
Premier Checking $100 Up to $9,999.99 0.02 0.02
$10,000-$24,999.99 0.04 0.04
$25,000-$49,999.99 0.06 0.06
$50,000-$99,999.99 0.10 0.10
$100,000-$249,999.99 0.30 0.30
$250,000-$499,999.99 0.40 0.40
$500,000-$999,999.99 0.50 0.50
$1,000,000+ 0.65 0.65
Cascade Money Market $1,000 Up to $4,999.99 0.03 0.03
$5,000-$9,999.99 0.03 0.03
$10,000-$24,999.99 0.05 0.05
$25,000-$49,999.99 0.08 0.08
$50,000-$74,999.99 0.10 0.10
$75,000-$99,999.99 0.15 0.15
$100,000-$499,999.99 0.23 0.23
$500,000+ 0.30 0.30
Product Name Minimum Deposit to Open Balance Tiers1 Interest Rate (%) APY (%)
Alpine Savings3 $1003 All balances 0.04 0.04
Peak Savings $100 Up to $4,999.99 0.04 0.04
$5,000-$9,999.99 0.04 0.04
$10,000-$24,999.99 0.04 0.04
$25,000-$49,999.99 0.04 0.04
$50,000-$74,999.99 0.06 0.06
$75,000-$99,999.99 0.06 0.06
$100,000-$499,999.99 0.10 0.10
$500,000+ 0.15 0.15
 
Health Savings Account $0 Up to $999.99 0.05 0.05
$1,000-$2,499.99 0.05 0.05
$2,500-$4,999.99 0.05 0.05
$5,000-$9,999.99 0.08 0.08
$10,000+ 1.00 1.00
Product Name Minimum Deposit to Open Balance Tiers1 Interest Rate (%) APY (%)
Flex Term CDs4
3-5 Months $2,500 Up to $24,999.99 3.34 3.40
$25,000-$49,999.99 3.44 3.50
$50,000+ 3.44 3.50
6-8 Months $2,500 Up to $24,999.99 0.25 0.25
$25,000-$49,999.99 0.30 0.30
$50,000+ 0.30 0.30
9-11 Months $2,500 Up to $24,999.99 0.30 0.30
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40
Fixed Rate CDs
12-17 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 2.47 2.50
$25,000-$49,999.99 2.47 2.50
$50,000+ 2.47 2.50
18 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 2.47 2.50
$25,000-$49,999.99 2.47 2.50
$50,000+ 2.47 2.50
19-24 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 0.40 0.40
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40
30 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 0.40 0.40
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40
36 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 0.40 0.40
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40
48 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 0.40 0.40
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40
60 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 0.40 0.40
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40

Current Deposit Interest Rates

Interest rates and annual percentage yields (APYs) are current as of September 28, 2026.

Product Name Minimum Deposit to Open Balance Tiers1 Interest Rate (%) APY (%)
3-5 Month Flex-Term CD4 $2,500 Up to $24,999.99 3.34 3.40
$25,000-$49,999.99 3.44 3.50
$50,000+ 3.44 3.50
Anniversary CD2
9 Months		 $2,500 Up to $24,999.99 3.54 3.60
$25,000-$49,999.99 3.63 3.70
$50,000+ 3.63 3.70
Celebration CD2
13 Months		 $2,500 Up to $24,999.99 3.25 3.30
$25,000-$49,999.99 3.92 4.00
$50,000+ 3.92 4.00
Product Name Minimum Deposit to Open Balance Tiers1 Interest Rate (%) APY (%)
Summit Checking $100 Up to $9,999.99 0.02 0.02
$10,000-$24,999.99 0.02 0.02
$25,000-$49,999.99 0.04 0.04
$50,000+ 0.05 0.05
Premier Checking $100 Up to $9,999.99 0.02 0.02
$10,000-$24,999.99 0.04 0.04
$25,000-$49,999.99 0.06 0.06
$50,000-$99,999.99 0.10 0.10
$100,000-$249,999.99 0.30 0.30
$250,000-$499,999.99 0.40 0.40
$500,000-$999,999.99 0.50 0.50
$1,000,000+ 0.65 0.65
Cascade Money Market $1,000 Up to $4,999.99 0.03 0.03
$5,000-$9,999.99 0.03 0.03
$10,000-$24,999.99 0.05 0.05
$25,000-$49,999.99 0.08 0.08
$50,000-$74,999.99 0.10 0.10
$75,000-$99,999.99 0.15 0.15
$100,000-$499,999.99 0.23 0.23
$500,000+ 0.30 0.30
Product Name Minimum Deposit to Open Balance Tiers1 Interest Rate (%) APY (%)
Alpine Savings3 $1003 All balances 0.04 0.04
Peak Savings $100 Up to $4,999.99 0.04 0.04
$5,000-$9,999.99 0.04 0.04
$10,000-$24,999.99 0.04 0.04
$25,000-$49,999.99 0.04 0.04
$50,000-$74,999.99 0.06 0.06
$75,000-$99,999.99 0.06 0.06
$100,000-$499,999.99 0.10 0.10
$500,000+ 0.15 0.15
 
Health Savings Account $0 Up to $999.99 0.05 0.05
$1,000-$2,499.99 0.05 0.05
$2,500-$4,999.99 0.05 0.05
$5,000-$9,999.99 0.08 0.08
$10,000+ 1.00 1.00
Product Name Minimum Deposit to Open Balance Tiers1 Interest Rate (%) APY (%)
Flex Term CDs4
3-5 Months $2,500 Up to $24,999.99 3.34 3.40
$25,000-$49,999.99 3.44 3.50
$50,000+ 3.44 3.50
6-8 Months $2,500 Up to $24,999.99 0.25 0.25
$25,000-$49,999.99 0.30 0.30
$50,000+ 0.30 0.30
9-11 Months $2,500 Up to $24,999.99 0.30 0.30
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40
Fixed Rate CDs
12-17 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 2.47 2.50
$25,000-$49,999.99 2.47 2.50
$50,000+ 2.47 2.50
18 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 2.47 2.50
$25,000-$49,999.99 2.47 2.50
$50,000+ 2.47 2.50
19-24 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 0.40 0.40
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40
30 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 0.40 0.40
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40
36 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 0.40 0.40
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40
48 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 0.40 0.40
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40
60 Months CDs-$2,500
IRAs-$100		 Up to $24,999.99 0.40 0.40
$25,000-$49,999.99 0.40 0.40
$50,000+ 0.40 0.40
 

Interest rates and APYs may change at our discretion at any time. Fees could reduce the earnings on the account.

We use the daily-balance method to calculate the interest on accounts. This method applies a daily periodic rate to the principal in the account each day. For checking, money market, and savings accounts, interest will be compounded daily and paid monthly. For all CDs, interest is fixed for the disclosed term, is compounded daily, and is credited monthly or quarterly. A penalty may be imposed for early withdrawal on CD accounts, which could reduce earnings.

1To obtain the disclosed APY, an account balance sufficient to accrue at least $0.01 interest in the statement cycle must be maintained.

2Anniversary & Celebration CDs mature into a 12-month term.

3No minimum balance required under 19 years of age.

4Additions allowed up to the original opening balance in minimum amounts of $500.

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Member FDIC
Equal Housing Lender
NMLS# 541567