Unlock your money's true potential.
Ramp up your earnings with a safe and simple Heritage Grove Certificate Account.
Want to earn a consistently strong rate but don’t want to tie your money up for five years at a time? Try "laddering." Here's how it works:
Suppose you have $10,000 to put into a Certificate Account. Instead of putting the full amount into one 12-month Certificate Account, put $2,000 each into a 12-month, 24-month, 36-month, 48-month and a 60-month Certificate Account. At the first year, reinvest your 12-month Certificate Account into a 5-year Certificate Account. If you do the same thing for each of the following years, by the end of the fourth year all five of your Certificate Accounts will be earning our top interest yield, but you'll still have a Certificate Account maturing every year.
Sound complicated? Don't worry, we're here to help. We can get you enrolled over the phone, in person or you can enroll online anytime.
*APY = Annual Percentage Yield. The Share Certificate rate is 1.489%; APY is 1.50%. The minimum balance requirement to obtain the advertised APY on the Share Certificate special is $1,000. This Share Certificate special does not include IRA products. Dividends are paid upon the share certificate maturity. Fees could reduce the earnings on any account. Early withdrawal penalty will apply. Offer and rate subject to change without notice.