Rates

All rates are intended for the local communities that we serve and not for entities outside of our communities.

Rates Effective As Of April 24, 2014

Deposit Accounts

Account Name Min Bal to earn APY Interest Rate APY*
Heritage Checking Account $500 0.010% 0.01%
BSB Free Checking Account $750 0.010% 0.01%
BSB Prestige Checking Account:
    $0.00 - 9,999.99 $0 0.010% 0.01%
    $10,000.00 - 49,999.99 $10,000 0.050% 0.05%
    $50,000.00 - 99,999.99 $50,000 0.100% 0.10%
    $100,000.00 and above $100,000 0.150% 0.15%
(Heritage, BSB Free, & BSB Prestige Checking: $100 min. bal. to open)
Savings Account $0 0.010% 0.01%
BSB Prestige Savings Account: ($100 min. bal. to open)
    $0.00 - 49,999.99 $0 0.050% 0.05%
    $50,000.00 - 99,999.99 $50,000 0.100% 0.10%
    $100,000.00 and above $100,000 0.200% 0.20%
Money Market Account: ($25,000 min. bal. to open)
    $0.00 - 9,999.99 $0 0.000% 0.00%
    $10,000.00 - 24,999.99 $10,000 0.050% 0.05%
    $25,000.00 - 49,999.99 $25,000 0.050% 0.05%
    $50,000.00 - 74,999.99 $50,000 0.100% 0.10%
    $75,000.00 - 99,999.99 $75,000 0.150% 0.15%
    $100,000.00 - 249,999.99 $100,000 0.200% 0.20%
    $250,000.00 - and above $250,000 0.250% 0.25%
Health Savings Account (HSA) $0 0.010% 0.01%

The accounts listed above are variable rate accounts. The rate may change after account is opened.

Certificates of Deposit

Term $1,000.00 to $4,999.99 $5,000.00 and Above
Interest Rate APY* Interest Rate APY*
91 Day 0.070% 0.07% 0.070% 0.07%
182 Day 0.100% 0.10% 0.100% 0.10%
12 Month 0.200% 0.20% 0.200% 0.20%
18 Month 0.250% 0.25% 0.250% 0.25%
24 Month 0.350% 0.35% 0.350% 0.35%
36 Month 0.500% 0.50% 0.500% 0.50%
48 Month 0.695% 0.70% 0.695% 0.70%
60 Month 0.895% 0.90% 0.895% 0.90%

Individual Retirement Accounts

Type Interest Rate APY*
IRA 18 Months / Quarterly Interest 0.150% 0.15%
IRA 24 Months / Quarterly Interest 0.250% 0.25%
IRA 36 Months / Quarterly Interest 0.350% 0.35%
IRA 48 Months / Quarterly Interest 0.495% 0.50%
IRA 60 Months / Quarterly Interest 0.695% 0.70%

Rates are subject to change without notice. A penalty may be imposed for early withdrawal. Fees could reduce earnings on accounts.