Rates

Earn a blended interest rate on balances at $50,000.01 and above when all three (3) qualifiers are met.

Three (3) qualifiers for the premium rate are:

• at least one automatic ACH payment or ACH direct deposit post and clear per qualification cycle,
• at least 12 debit card transactions using your debit card, post and clear per qualification cycle, and
• enroll and receive electronic statements

Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by Southwest Heritage Bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.

$100 minimum to open

Earn a blended interest rate on balances at $50,000.01 and above when all three (3) qualifiers are met.

Three (3) qualifiers for the premium rate are:

• at least one automatic ACH payment or ACH direct deposit post and clear per qualification cycle,
• at least 12 debit card transactions using your debit card, post and clear per qualification cycle, and
• enroll and receive electronic statements

Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by Southwest Heritage Bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.

$1,000 minimum to open

$100,000 minimum to open

APY* is Annual Percentage Yield. Rates are fixed for term and until maturity.

Withdrawals and deposits may not be made the during CD term. A penalty will be imposed for early closure/withdrawals.

Please consult a tax professional for tax advice concerning your IRA. 

Must maintain a minimum daily balance of $1,000 in the account each day to obtain the disclosed annual percentage yield.

Minimum $1,000 to open CD account.

$100 minimum to open

$100 minimum to open

$100 minimum to open

$100 minimum to open

$100 minimum to open

$1,000 minimum to open

$100,000 minimum to open