{"slug":"heritage-bank-certificate-of-deposit-rate","category":"bank","institutionSlug":"heritage-bank","product":"Certificate of Deposit","title":"Heritage Bank Certificate of Deposit: 3.00% APY","bonus":"3.00% APY","unit":"cash","amount":0,"reqShort":"$2,000 minimum, 3-month term","expiresOn":null,"status":"live","verifiedOn":"2026-08-20","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"Early withdrawal penalty: 45 days interest","posts":"","applyDomain":"ourheritage.bank","applyUrl":"https://www.ourheritage.bank/cd-specials","summary":"Heritage Bank offers a 3.00% APY on a 3-month CD with a $2,000 minimum deposit. The early withdrawal penalty is 45 days of interest. Rates are effective as of July 14, 2026.","reqSteps":[],"finePrint":["Early withdrawal penalty: 45 days interest","Public funds ineligible for promotional CD rates","Member FDIC"],"apy":300,"apyTerm":"3-month term","listedOn":"2026-08-20","listedAt":"2026-08-20T13:07:08.561Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"ourheritage.bank rate page","url":"https://www.ourheritage.bank/cd-specials","checkedOn":"2026-08-20"}],"needsVerification":false}