Current Rates

Effective August 1, 2014

 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 0.30% 0.30%
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 0.25% 0.25%
$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 0.25% 0.25%
$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 $100,000.00
0.15% 0.15%
91 - 180 Days 0.20% 0.20%
181 Days up to 1 Year 0.30% 0.30%
12 - 23 Months 0.40% 0.40%
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 0.25% 0.25%
$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 0.10% 0.10%
13-week 0.11% 0.11%
26-week 0.15% 0.15%
52-week 0.25% 0.25%
2 Year 0.50% 0.50%
3 Year 0.75% 0.75%
5 Year 1.00% 1.01%
Account Analysis
Tiers Earnings Credit Rate
$0.00 - $99,999.99 0.35%
$100,000.00 - $249,999.99 0.50%
$250,000.00+ 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 currently offered 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.