Current Rates

Deposit Rates

Loan Rates

Commonly Charged Fees

Deposit Rates

The rates posted on the Heritage Trust site are effective as of November 1, 2018. Rates are subject to change without notice, and this does not serve as a guarantee of rates, fees, or credit approval.*

Deposit Account Rates Minimum Balance** Dividend Rate APY*
Savings Accounts Primary Savings $5 0.100% 0.10%
Custodial Savings $25 0.100% 0.10%
Extra Savings $0 0.100% 0.10%
Christmas Club $0 0.100% 0.10%
Kasasa Saver with Kasasa Cash Balances up to $25,000 0.747% 0.75%
On balances over $25,000 0.100% 0.10%
If qualifications are not met 0.050% 0.05%
Kasasa Saver with Kasasa Cash Back Balances up to $25,000 0.747% 0.75%
On balances over $25,000 0.100% 0.10%
If qualifications are not met 0.050% 0.05%
Health Savings Account Health Savings $0 0.250% 0.25%
IRA Savings Accounts Traditional IRA Savings $1 0.250% 0.25%
Roth IRA Savings $1 0.250% 0.25%
Split Dividend Rate
Checking Accounts Kasasa Cash $0 – $15,000.00 1.489% 1.50%
balances over $15,000.00 0.150% 0.15%
If qualifications are not met 0.050% 0.05%
Kasasa Cash Back 0.000% 0.00%
Kasasa Tunes 0.000% 0.00%
Kasasa Cash with Kasasa Saver Split Dividend Rate
$0 – $15,000.00 1.489% 1.50%
balances over $15,000.00 0.150% 0.15%
If qualifications are not met 0.050% 0.050%
Kasasa Cash Back with Kasasa Saver 0.000% 0.00%
Teen Choice Checking $25 0.000% 0.00%
Heritage Classic (requires $500 in total deposits) $500*** 0.050% 0.05%
Advantage Checking $0 0.000% 0.00%
Bonus Checking (requires a combined total of $20,000 on deposit and/or in loan accounts) $25**** 0.050% 0.05%
Heritage Platinum (requires a total of $5000 in deposit accounts) $500***** 0.100% 0.10%
Student Checking $0 0.000% 0.00%
Heritage Golden $0
$0-$499.99 0.000% 0.00%
$500 – $999.99 0.050% 0.05%
$1,000 or more 0.100% 0.10%
Vintage Checking (dividends paid based on tiered rates if monthly balance of $500 is maintained) $25 0.000% 0.00%
$500.01 or greater $500 0.10% 0.10%
Heritage Partnership $0 0.00% 0.00%
Estate Checking $25 0.10% 0.10%
Money Market Accounts $0-$1,499.99 $0 0.000% 0.00%
$1,500-$9,999.99 0.548% 0.55%
$10,000 – $24,999.99 0.578% 0.58%
$25,000 or more 0.638% 0.64%
Premium Money Market $50,000 or more 0.797% 0.80%
*APY = Annual Percentage Yield – APY is the yearly dividend rate. Rates are subject to change on a daily basis and without notice. Rates are subject to change after account opening.**Minimum balance to receive dividends. The minimum balance to open the account varies.***If the member falls below the minimum $500 balance in a combination of the above accounts, there is a $9.95 charge per month.****A direct deposit of at least $500 is also required. If the member falls below the minimum balance, there is a $7 charge per month. Dividends are paid on balance in checking account. *****Specified deposit accounts may include Prime Savings, Checking, Money Market, IRA, and Certificates. $500 must be maintained in the checking account. If the member falls below the minimum $5000 balance in a combination of the above accounts or the $500 balance in checking, there is a $9.95 charge per month. Fees and withdrawals could reduce earnings on account. Call our Contact Center at (843) 832-2600 or (800) 845-5550 for applicable fees and terms. Savings accounts require a minimum of $25 to open and IRA Savings accounts require a minimum of $5 to open. Checking accounts require a minimum of $25 to open, except Platinum, which requires $500 to open.

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Certificate Rates Term Minimum Balance Dividend Rate APY*
Regular Certificates 3 Month $250 0.548% 0.55%
6 Month $250 0.797% 0.80%
9 Month $250 0.866% 0.87%
12 Month $250 1.292% 1.30%
12 Month Small Saver $100 1.143% 1.15%
24 Month $250 1.538% 1.55%
36 Month $250 1.833% 1.85%
48 Month $250 2.029% 2.05%
60 Month $250 2.567% 2.60%
IRA Certificates 9 Month IRA $250 0.866% 0.87%
12 Month IRA $250 1.143% 1.15.%
12 Month IRA Small Saver $100 1.143% 1.15%
24 Month IRA $250 1.390% 1.40%
36 Month IRA $250 1.686% 1.70%
48 Month IRA $250 2.029% 2.05%
60 Month IRA $250 2.567% 2.60%
*APY = Annual Percentage Yield – APY is the yearly dividend rate and is based on dividends remaining on deposit until maturity. Penalties and loss of dividends apply for early withdrawal. Small Saver certificates require a minimum of $100 to open. All other certificates require a minimum of $250 to open and the rates are fixed for any term of the certificate. A penalty will be imposed for early withdrawal. Rates are subject to change without notice. Call our Contact Center at (843) 832-2600 or (800) 845-5550 for current rates. Click here to view the Truth-In-Savings Disclosure: Share Certificates. Platinum Checking account holders automatically receive an additional .10% on Heritage Trust certificate rates. Dividends are paid monthly on IRA savings, checking, money market, regular
and IRA certificates.Promotional Offer: 24-Month & 24-Month IRA Certificate
*APY = Annual Percentage Yield. APY is the yearly dividend rate and is based on dividends remaining on deposit until maturity. Penalties and loss of dividends apply for early withdrawal. Rate quoted is for the 24-Month Certificate and 24-Month IRA Certificate. Available for new deposits only. $250 minimum deposit to open. Rates are fixed for term of the certificate. A penalty will be imposed for early withdrawal. Rates are subject to change without notice. Limited time offer.

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Loan Rates

The loan rates posted on the Heritage Trust site are effective as of May 1, 2019. Rates are subject to change without notice, and this does not serve as a guarantee of rates, fees, or credit approval.

Consumer Loans APR* as low as MSRP/Retail Finance up to Approx. Term Approx. Term
Auto 3.63%**

4.12%**

125%*** 48 months

66 months

n/a
New/Used Current up to 3 years 4.43%** 125%*** 67-75 $12,500
4.85%** 100%*** 76-84 $25,000
Used 4 and 5 years old 4.45%** 125%*** 66 months n/a
Used 6 and 9 years old 5.45%** 125%*** 60 months n/a
Motor Home, Campers, Trailers & Tiny Homes
Less than $10,000 5.70%** 100%*** 60 months n/a
$10,000 to $24,999 6.25%** 100%*** 84 months $10,000
$25,000 to $150,000 6.75%** 100%*** 120 months $25,000
Motor Homes Only
$50,000 to $150,000 7.49%** 100%*** 144 months $50,000
Watercraft New/Used
Less than $7,000 4.44%** 115%*** 60  months n/a
$7,000 to $14,999 5.20%** 115%*** 84 months $7,000
$15,000 to $49,999 5.45%** 115%*** 120 months $15,000
$50,000 to $99,999 6.25%* 115%*** 144 months $50,000
Motorcycle New/Used
Less than $5,000 4.64%** 115%*** 36 months n/a
$5,000 to $7,499 5.64%** 115%*** 48 months $5,000
$7,500 to $9,999 6.49%** 115%*** 60 months $7,500
$10,000 and above 6.99%** 115%*** 72 months $10,000
Jet Ski/ATV New/Used
Less than $7,500 5.49%** 115%*** 48 months n/a
$7,500 to $25,000 6.49%** 115%*** 60 months $7,500
Share Loan
Share (Variable) Share Rate + 2.50%

Share Rate as of August 1, 2017 is 0.10%, which equates to an APR of 2.60%. Contact Credit Union for current rates.

100% Up to 144 months n/a
Certificate Loan
Certificate (Fixed) Certificate Rate + 2.00%

60 Month Certificate Rate as of August 1, 2017 is 1.686%, which equates to an APR of 3.686%. Contact Credit Union for current rates.

100% 60 months n/a
Personal Loan
$500 to $1,249 9.84% ** N/A 18 months $500
$1,250 to $3,499 9.84% ** N/A 36 months $1,250
$3,500 to $6,999 10.04% ** N/A 48 months $3,500
$7,000 to $20,000 10.04% ** N/A 60 months $7,000
Line of Credit******
$20,000 or less 9.90% ** Variable N/A (not applicable) n/a
 Other Collateralized Loans
Less than $14,999 6.20% ** N/A 48 months n/a
$15,000 – $25,000 8.00% ** N/A 72 months $15,000
Manufactured Home w/o Land
Up to $95,000 6.35% ** 95% 240 months n/a
*APR = Annual Percentage Rate. **The “as low as” rates indicated above are the lowest rates available to our members. Your actual rate may be higher, depending on your credit history or other factors.***Maximum amount financed will be based on credit scores, MSRP for new vehicles, and NADA Retail price only for used vehicles.****Rates on a variable loan are subject to change after consummation of the loan.*****Up to 60 month amortization with a final balloon payment due on the maturity date of the certificate.******Monthly payments will be 2% of the credit limit. No membership fees apply unless you are not a member of Heritage Trust FCU. Loans are based on simple interest. Click here to calculate a payment example based on the loan type and current rate. Rates are subject to change without notice, and this does not serve as a guarantee of rates, fees, or credit approval. For current Home & Real Estate Loan rates, call our local Contact Center at (843) 832-2600 or (800) 845-5550 for current rates.
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Home Equity Loans Rate Index and Margin
Home Equity Line of Credit $5,000 – $250,000 Contact Credit Union for current rates.
Second Mortgage Loan to Value (LTV)
Term – Up to 120 Months Up to $250,000 LTV Less/Equal to 80%
Term – Up to 180 Months Up to $250,000 LTV Less/Equal to 80%
Term – Up to 180 Months Up to $250,000 LTV Greater than 80% up to 90%
Balloon Term – 360 amortization/120 balloon pmt Up to $250,000 LTV Less/Equal to 80%
Balloon Term – 360 amortization/120 balloon pmt Up to $250,000 LTV Greater than 80% up to 90%
Lot Loan / Unimproved Property
Term not to exceed 120 months for non-balloon loans
Up to $250,000 LTV Less/Equal to 80%
Up to $250,000 LTV Greater than 80% up to 90%
Balloon Term – LTV<=80% 360/60 balloon Up to $250,000 LTV Less/Equal to 80%
Balloon Term – LTV >80% 180/60 balloon Up to $250,000 LTV Greater than 80% up to 90%
*** You can borrow up to 90% of Loan to Value on Second Mortgages and 90% of Loan to Value on Home Equity Loans!
For specific rates and program details, please call our local Contact Center at (843) 832-2600 or toll free at (800) 845-5550.  Click here to view the Home Equity Line of Credit (HELOC) Predisclosure.

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Mortgages

Contact our Real Estate Lending department for information on specific programs, current rates, and pre-qualifications at (843) 832-2614 or toll free at (800) 845-5550, ext. 2614.

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Credit Cards
Please contact us at (843) 832-2600 or toll free at (800) 845-5550 for current rates.

Learn more about our HT Rewards Credit Card.

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Commonly Charged Fees
Effective as of August 5, 2015

Check Cashing – Under Minimum*
Non-Members- Per Item – 10% of the value of the check(s), or $10.00 (whichever is less)
Members -Under minimum deposit requirement* – Per item – 5% of the value of the check(s), or $5.00 (whichever is less).
Official Checks**
Official Check to Self – each FREE
Official Check to 3rd Party, each $5.00
Replacement checks (member) $5.00
Replacement checks (non-member) $15.00
Non-Harland checks, processed manually, each $5.00
Check verification, each (phone #866.376.2420) $2.00
Temporary checks, per page $4.00
Wire Transfers
Outgoing, per wire $20.00
Outgoing International, per wire $30.00
Incoming, per wire $7.00
Automated Teller Machine (ATM/Debit Card)**
Heritage Trust ATMs FREE
Non-Heritage Trust ATMs $2.00
Replacement ATM/Debit Cards $5.00
Empty ATM Deposit Envelope, each $35.00
Contact Center
Transfers, each $5.00
Loan Payment over the telephone (TelPay) $15.00
Transfer Funds
Incoming Transfers Free
Outgoing Transfers $5.00
Overdraft Savings to Checking Transfer $3.00
Enhanced Overdraft Protection Fee, each $35.00
Balancing Statement / Account Research
Less than 30 minutes FREE
30 minutes and over, per hour $25.00
Statement Copies**
eStatements FREE
In Branches $5.00
Mailed $6.00
Statement Fee, charged if you have Online Banking and you receive paper statement, per month $1.95
Check Copies, each $1.00
Safe Deposit Box Fees, Annual** effective 01/01/2015
3×5 $35.00
5×5 $55.00
3×10 $60.00
5×10 $75.00
10×10 $125.00
Replacement Key Check with branch representative for fee amount.
Box Drilling Fee Check with branch representative for fee amount.
Account Fees, Monthly***
Heritage Bonus Checking Account*** FREE
Heritage Vintage Checking Account*** FREE
Heritage Back to Basic Checking Account**** FREE
Heritage Advantage Checking Account***** $2.95
Heritage Classic Checking Account***** $9.95
Heritage Platinum Checking Account***** $9.95
Heritage Partnership Checking Account $19.95
SmartChoice – Monthly Service Fee
$2.00 Reduced for eStatements, and $0.25 for each debit swipe up to 12 each month
$5.00
Premium Money Market Minimum Balance Monthly Fee (If balance falls below $50,000) $15.00
Insufficient Funds, Item Returned, per item $35.00
Stop Payment, per item $35.00
Manual ACH/Draft Posting Fee, each $12.50
Replacement Loan Coupon Booklets $5.00
Debit Card Inactivity Fee (after no activity for six months), per month $5.00
Bill Payment Inactivity Fee (after no activity for three (3) months), per month $5.00
PayPal (mobile banking) $1.00
Gift Check Fee $2.99
Donation Check Fee $1.99
Closing an IRA account $25.00
Christmas Club Withdrawal Fee $10.00
Deposit Item Returned Unpaid, per item $12.50
Deposit Verification $10.00
Close Share Account – within 3 months of opening $5.00
Dormant Account, per month $5.00
Certificate early withdrawal flat fee (excludes IRA certificates) $20.00
Share account balance less than $100 and no other services, per month $5.00
Bad Address, per month $6.00
Online Banking
Popmoney®Standard FREE
Popmoney® Next Day $10.00
External Transfers – Basic Segment, Standard Inbound and Outbound, based on limits
$0.00 – $1,000.00 FREE
$1,000.01 – $8,000 $10.00
$8,000.01 – $15,000 $15.00
External Transfers – Next Day, Inbound and Outbound based on limits $10.00
Stop Payment Fee for Popmoney® & External Transfer Transactions (3rd Party Fee $35.00
Loan Payments
Loan Payment over the phone (TelPay) $15.00
Loan Modification Processing Fee (Consumer Loan) $35.00
Loan Extension Processing Fee $35.00
*There is a $5.00 charge or a charge of 5% of the face value for members with no other relationship other than a savings account with a balance less than $100. **Platinum, Golden, Classic, Vintage and Bonus Members may receive a discount or free service.***Checking accounts can be owned individually or jointly and are available to those members who are at least 18 years of age. Members age 18 or under can have a checking account only as a joint owner with an adult. No membership fee is necessary except in cases of new membership. ***The Vintage Checking Account is available members aged 50 or older. In addition to basic checking benefits, this account offers discounts on consumer loan rates, free traveler’s checks and dividends paid on tiered rates if a monthly balance of $500 is maintained. The Bonus Checking Account is a premium checking account. A $500 direct deposit is required and a $20,000 minimum on total deposit and/or in loan balances. If minimum balance drops below $20,000, a $7 monthly fee will be charge.

****There is a $25 minimum deposit to open the Back to Basics Checking Account. No minimum balance requirement, no monthly service charge and no per check fee.

*****The Advantage, Classic, Platinum, Golden and Student checking accounts are not available as new accounts. Any existing accounts under these programs will be grandfathered and their current terms will continue to be honored. Qualified members with any such account may switch to any of the new checking accounts offered.

Transactions covered by this service are: checks written, in person withdrawals, ATM withdrawals, ACH items, debit card/POS transactions (both signature and pin based), and Internet Banking. Accounts must be brought to a positive balance within a 30 day period. All deposits to the account are first applied to the negative balance.

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

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Additional coverage up to $250,000 provided by Excess Share Insurance Corporation, a licensed insurance company.

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