Current Rates

Effective April 3, 2014

Interest Checking
Tiers Minimum Opening Deposit Interest Rate Annual % Yield
$0 - $9,999 $50 0.03% 0.03%
$10,000 - $49,999 0.05% 0.05%
$50,000 - $99,999 0.05% 0.05%
$100,0000 + 0.10% 0.10%

 

Secure Money Market Promotion
Tiers Minimum Opening Deposit Interest Rate Annual % Yield
$0 - $99,999 $5,000 0.20% 0.20%
$100,000 - $9,999,999 0.30% 0.30%
Click here or contact your local branch for more information including account details.

 

Personal Money Market Accounts
Tiers Minimum Opening Balance Interest Rate Annual % Yield
$0 - $2,499 $1,000 0.00% 0.00%
$2,500 - $49,999 0.10% 0.10%
$50,000 - $249,999 0.20% 0.20%
$250,000 - $499,999 0.30% 0.30%
$500,000 - $749,999 0.30% 0.30%
$750,000 - $999,999 0.30% 0.30%
$1,000,000 - $9,999,999 0.30% 0.30%
Business Money Market Accounts
Tiers Minimum Opening Balance Interest Rate Annual % Yield
$0 - $2,499 $1,000 0.00% 0.00%
$2,500 - $49,999 0.10% 0.10%
$50,000 - $249,999 0.20% 0.20%
$250,000 - $499,999 0.30% 0.30%
$500,000 - $749,999 0.30% 0.30%
$750,000 - $999,999 0.30% 0.30%
$1,000,000 - $9,999,999 0.30% 0.30%
SIMPLE Savings
Minimum Opening Balance Interest Rate Annual % Yield
$100 0.10% 0.10%
Simply Amazing CDs (Certificates of Deposit)
Term Minimum Balance** Interest Rate Annual % Yield
30 - 90 Days $1,000 0.15% 0.15%
91 - 180 Days 0.20% 0.20%
181 Days - 1 Year 0.30% 0.30%
Over 1 Year* 0.40% 0.40%
2 Years* 0.65% 0.65%
3 Years* 0.80% 0.80%
4 Years* 0.90% 0.90%
5 Years* 1.24% 1.25%
Health Savings Account
Minimum Opening Balance Interest Rate Annual % Yield
$100 0.20% 0.20%
Individual Retirement Accounts
Term Minimum Opening Balance Interest Rate Annual % Yield
Savings $100 0.15% 0.15%
6 Months $1,000 0.20% 0.20%
1 Year $1,000 0.30% 0.30%
2 Year $1,000 0.65% 0.65%
3 Year $1,000 0.80% 0.80%
4 Year $1,000 0.90% 0.90%
5 Year $1,000 1.24% 1.25%
CDARS
Maturity One-Way Sell Rates One-Way Sell APYs
4-week 0.08% 0.08%
13-week 0.10% 0.10%
26-week 0.15% 0.15%
52-week 0.25% 0.25%
2 Year 0.45% 0.45%
3 Year 0.70% 0.70%
5 Year 0.95% 0.95%

 

Account Analysis
Tier Earnings Credit Rate
$0 - $99,999 0.35%
$100,000 - $249,999 0.50%
$250,000+ 0.60%

 

Fees could reduce the earnings amount on account.
No External funds without CFO or President's approval. Public funds are on a 360 day basis and are not compounded. Wall Street Prime 3.25%. Rates listed for current products only. For rates on products not listed, contact any office of Heritage Oaks Bank. The current overhead assessment rate for Account Analysis accounts is .06/$1,000.00.