Current Rates

Effective September 22, 2016

 Personal Interest Checking
Tiers Minimum Opening Deposit Interest Rate Annual % Yield
$0.00 - $9,999.99 $50.00 0.03% 0.03%
$10,000.00 - $49,999.99 0.05% 0.05%
$50,000.00 - $99,999.99 0.05% 0.05%
$100,000.00 + 0.10% 0.10%
Business Interest Checking
Tiers Minimum Opening Deposit Interest Rate Annual % Yield
$0.00 - $24,999.99 $100.00 0.00% 0.00%
$25,000.00 - $49,999.99 0.05% 0.05%
$50,000.00 - $99,999.99 0.05% 0.05%
$100,000.00 - $249,999.99 0.05% 0.05%
$250,000.00 - $499,999.99 0.25% 0.25%
$500,000.00 - $749,999.99 0.25% 0.25%
$750,000.00 + 0.25% 0.25%
Secure Money Market Promotion
Tiers Minimum Opening Deposit Interest Rate Annual % Yield
$0.00 - $249,999.99 $5,000.00 0.20% 0.20%
$250,000.00 - $999,999.99 0.25% 0.25%
$1,000,000.00 - $9,999,999.99 0.25% 0.25%
Click here or contact your local branch for more information including account details.
Classic Money Market Personal
Tiers Minimum Opening Deposit Interest Rate Annual % Yield
$0.00 - $2,499.99 $1,000.00 0.00% 0.00%
$2,500.00 - $9,999.99 0.10% 0.10%
$10,000.00 - $19,999.99 0.10% 0.10%
$20,000.00 - $49,999.99 0.10% 0.10%
$50,000.00 - $99,999.99 0.20% 0.20%
$100,000.00 - $249,999.99 0.20% 0.20%
$250,000.00 - $499,999.99 0.20% 0.20%
$500,000.00 - $749,999.99 0.25% 0.25%
$750,000.00 - $999,999.99 0.25% 0.25%
$1,000,000.00 - $9,999,999.99 0.25% 0.25%
Business Money Market Accounts (and Attorney Client Trust Accounts)
Tiers Minimum Opening Deposit Interest Rate Annual % Yield
$0.00 - $2,499.99 For Business Money Market,
minimum opening deposit is $1,000.00

For Attorney Client Trust,
minimum opening deposit is $100.00
0.00% 0.00%
$2,500.00 - $9,999.99 0.10% 0.10%
$10,000.00 - $19,999.99 0.10% 0.10%
$20,000.00 - $49,999.99 0.10% 0.10%
$50,000.00 - $99,999.99 0.20% 0.20%
$100,000.00 - $249,999.99 0.20% 0.20%
$250,000.00 - $499,999.99 0.20% 0.20%
$500,000.00 - $749,999.99 0.25% 0.25%
$750,000.00 - $999,999.99 0.25% 0.25%
$1,000,000.00 - $9,999,999.99 0.25% 0.25%
Simple Savings, Simple Business Savings and Simply Amazing Student
Minimum Opening Deposit Interest Rate Annual % Yield
$100.00 0.10% 0.10%
Certificates of Deposit
Term* Minimum Opening Deposit** Interest Rate Annual % Yield
30 - 90 Days For CDs under $100k,
minimum opening deposit is $1,000.00

For CDs over $100k,
minimum opening deposit is $100,000.01
0.15% 0.15%
91 - 180 Days 0.20% 0.20%
181 Days up to 1 Year 0.25% 0.25%
12 - 23 Months 0.35% 0.35%
24 - 35 Months 0.65% 0.65%
36 - 47 Months 0.80% 0.80%
48 - 59 Months 0.90% 0.90%
60 Months+ 1.24% 1.25%
Health Savings Account & Health Savings Family Account
Minimum Opening Deposit Interest Rate Annual % Yield
$100.00 0.20% 0.20%
Individual Retirement Accounts
Term Minimum Opening Deposit Interest Rate Annual % Yield
Savings $100.00 0.15% 0.15%
6 Months $1,000.00 0.20% 0.20%
1 Year $1,000.00 0.30% 0.30%
2 Year $1,000.00 0.65% 0.65%
3 Year $1,000.00 0.80% 0.80%
4 Year $1,000.00 0.90% 0.90%
5 Year $1,000.00 1.24% 1.25%
Public Fund Interest Checking
Tiers Minimum Opening Deposit Interest Rate Annual % Yield
$0.00 - $2,499.99 $1,000.00 0.00% 0.00%
$2,500.00 - $49,999.99 0.05% 0.05%
$50,000.00 - $249,999.99 0.20% 0.20%
$250,000.00 - $749,999.99 0.20% 0.20%
$750,000.00 + 0.20% 0.20%
Public Fund Money Market
Tiers Minimum Opening Deposit Interest Rate Annual % Yield
$0.00 - $2,499.99 $1,000.00 0.00% 0.00%
$2,500.00 - $9,999.99 0.10% 0.10%
$10,000.00 - $19,999.99 0.10% 0.10%
$20,000.00 - $49,999.99 0.10% 0.10%
$50,000.00 - $99,999.99 0.10% 0.10%
$100,000.00 - $249,999.99 0.10% 0.10%
$250,000.00 - $499,999.99 0.20% 0.20%
$500,000.00 - $749,999.99 0.25% 0.25%
$750,000.00 - $999,999.99 0.25% 0.25%
$1,000,000.00 - $9,999,999.99 0.25% 0.25%
Public Fund Savings
Minimum Opening Deposit Interest Rate Annual % Yield
$1,000.00 0.10% 0.10%
CDARS
Maturity One-Way Sell Rates One-Way Sell APYs
4-week 0.13% 0.13%
13-week 0.18% 0.18%
26-week 0.23% 0.23%
52-week 0.27% 0.27%
2 Year 0.31% 0.31%
3 Year 0.45% 0.45%
5 Year 0.60% 0.60%
Account Analysis
Tiers Earnings Credit Rate
$0.00 - $99,999.99 0.25%
$100,000.00 - $249,999.99 0.40%
$250,000.00+ 0.50%

 

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 3.50%. Rates listed for currently offered products only. For rates on products not listed, contact any office of Heritage Oaks Bank.