|
This table represents the rates which are in effect for some of our deposit products as of the date listed below. Please call your local branch or ask a First Heritage Banker for the rates and annual percentage yields (APY) in effect for all of our deposit product offerings; as well as for each specific product rate tier. Interest rates and annual percentage yields (APY) on our deposit product offerings are current as of 6/18/2008. |
|||||
|
Account Name
|
Minimum Opening Deposit
|
Min Bal to Avoid Monthly Service Charge
|
Min Bal to Obtain APY
|
Interest Rate may be as high as
|
APY
|
|
FHB Savings
|
$25
|
$200
|
$100
|
0.40%
|
0.40%
|
|
FHB Relationship Savings
|
$25
|
N/A
|
$100
|
0.40%
|
0.40%
|
|
FHB Health Savings
|
$25
|
N/A
|
$100
|
0.40%
|
0.40%
|
|
FHB Money Market
|
|||||
|
$0 - $999.99
|
$100/$25 for Seniors & Minors
|
$1,000
|
$100
|
0.55%
|
0.55%
|
|
$1,000 - $2,499.99
|
$100/$25 for Seniors & Minors
|
$1,000
|
$100
|
0.75%
|
0.75%
|
|
$2,500 & above
|
$100/$25 for Seniors & Minors
|
$1,000
|
$100
|
0.85%
|
0.85%
|
|
FHB Premium Personal Money Market
|
|||||
|
$0 - $9,999.99
|
$1,000
|
$15,000
|
$100
|
0.65%
|
0.65%
|
|
$10,000 - $24,999.99
|
$1,000
|
$15,000
|
$100
|
0.75%
|
0.75%
|
|
$25,000 - $49,999.99
|
$1,000
|
$15,000
|
$100
|
1.55%
|
1.56%
|
|
$50,000 - $99,999.99
|
$1,000
|
$15,000
|
$100
|
1.80%
|
1.82%
|
|
$100,000 - $249,999.99
|
$1,000
|
$15,000
|
$100
|
2.05%
|
2.07%
|
|
$250,000 - $499,999.99
|
$1,000
|
$15,000
|
$100
|
2.20%
|
2.22%
|
|
$500,000 - $999,999.99
|
$1,000
|
$15,000
|
$100
|
2.75%
|
2.79%
|
|
$1,000,000 & above
|
$1,000
|
$15,000
|
$100
|
3.40%
|
3.46%
|
|
FHB Interest Checking
|
|||||
|
$0 - $999.99
|
$100
|
$2,000 avg / $750 min daily
|
$100
|
0.40%
|
0.40%
|
|
$1,000 & above
|
$100
|
$2,000 avg / $750 min daily
|
$100
|
0.50%
|
0.50%
|
|
FHB Premium Checking
|
|||||
|
$0 - $999.99
|
$1,000
|
$10,000
|
$100
|
0.55%
|
0.55%
|
|
$1,000 - $2,499.99
|
$1,000
|
$10,000
|
$100
|
0.70%
|
0.70%
|
|
$2,500 - $9,999.99
|
$1,000
|
$10,000
|
$100
|
1.05%
|
1.06%
|
|
$10,000 - $24,999.99
|
$1,000
|
$10,000
|
$100
|
1.25%
|
1.26%
|
|
$25,000 - $49,999.99
|
$1,000
|
$10,000
|
$100
|
1.75%
|
1.77%
|
|
$50,000 & above
|
$1,000
|
$10,000
|
$100
|
1.85%
|
1.87%
|
|
Timeless Advantage Checking
|
|||||
|
$0 - $2,499.99
|
$25
|
N/A
|
$100
|
0.55%
|
0.55%
|
|
$2, 500 - $9,999.99
|
$25
|
N/A
|
$100
|
0.65%
|
0.65%
|
|
$10,000 - $24,999.99
|
$25
|
N/A
|
$100
|
0.75%
|
0.75%
|
|
$25,000 - $49,999.99
|
$25
|
N/A
|
$100
|
1.55%
|
1.56%
|
|
$50,000 - $99,999.99
|
$25
|
N/A
|
$100
|
1.80%
|
1.82%
|
|
$100,000 - $249,999.99
|
$25
|
N/A
|
$100
|
2.05%
|
2.07%
|
|
$250,000 - $499,999.99
|
$25
|
N/A
|
$100
|
2.20%
|
2.22%
|
|
$500,000 - $999,999.99
|
$25
|
N/A
|
$100
|
2.75%
|
2.79%
|
|
$1,000,000 & above
|
$25
|
N/A
|
$100
|
3.40%
|
3.46%
|
|
Timeless Advantage Savings
|
|||||
|
$0 to $999.99
|
$25
|
N/A
|
$100
|
0.55%
|
0.55%
|
|
$1,000 to $2,499.99
|
$25
|
N/A
|
$100
|
0.75%
|
0.75%
|
|
$2,500 & above
|
$25
|
N/A
|
$100
|
0.85%
|
0.85%
|
|
FHB Business Savings
|
$100
|
$500
|
$100
|
0.40%
|
0.40%
|
|
FHB Relationship Business Savings
|
$100
|
N/A
|
$100
|
0.40%
|
0.40%
|
|
FHB Business Money Market
|
|||||
|
$0 - $2,499.99
|
$100
|
$1000
|
$100
|
0.75%
|
0.75%
|
|
$2,500 & above
|
$100
|
$1000
|
$100
|
0.95%
|
0.95%
|
|
FHB Premium Business Money Market
|
|||||
|
$0 - $24,999.99
|
$1,000
|
$15,000
|
$100
|
0.95%
|
0.95%
|
|
$25,000 - $49,999.99
|
$1,000
|
$15,000
|
$100
|
1.55%
|
1.56%
|
|
$50,000 - $99,999.99
|
$1,000
|
$15,000
|
$100
|
1.80%
|
1.82%
|
|
$100,000 - $249,999.99
|
$1,000
|
$15,000
|
$100
|
2.05%
|
2.07%
|
|
$250,000 - $499,999.99
|
$1,000
|
$15,000
|
$100
|
2.20%
|
2.22%
|
|
$500,000 - $999,999.99
|
$1,000
|
$15,000
|
$100
|
2.75%
|
2.79%
|
|
$1,000,000 & above
|
$1,000
|
$15,000
|
$100
|
3.40%
|
3.46%
|
|
FHB Business Interest Checking
|
|||||
|
$0 - $999.99
|
$100
|
$2,000 avg / $750 min daily
|
$100
|
0.40%
|
0.40%
|
|
$1,000 - $999,999.99
|
$100
|
$2,000 avg / $750 min daily
|
$100
|
0.50%
|
0.50%
|
|
$1,000,000 & above
|
$100
|
$2,000 avg / $750 min daily
|
$100
|
3.40%
|
3.46%
|
| First Heritage Bank deposit accounts including fees, rates and account features are subject to change. Fees could reduce earnings. Certain restrictions apply. Ask a First Heritage Banker for details today. | |||||
|
This table represents the rates and terms which are in effect for some of our Certificate of Deposit (CD) products as of the date listed below. Please call your local branch or ask a First Heritage Banker for the rates and annual percentage yields (APY) in effect for all of our CD product offerings. Interest rates and annual percentage yields (APY) on our CD product offerings are current as of 6/18/2008. |
||||
|
Account Name
|
Minimum Opening Deposit
|
Min Bal to Obtain APY
|
Interest Rate
|
APY
|
|
1 Month Jumbo
|
$100,000
|
$100,000
|
1.58%
|
1.59%
|
|
2 Month Jumbo
|
$100,000
|
$100,000
|
1.68%
|
1.69%
|
|
3 Month Jumbo
|
$100,000
|
$100,000
|
2.20%
|
2.22%
|
|
6 Month Jumbo
|
$100,000
|
$100,000
|
2.30%
|
2.31%
|
|
12 Month Jumbo
|
$100,000
|
$100,000
|
3.20%
|
3.20%
|
|
24 Month Jumbo
|
$100,000
|
$100,000
|
3.75%
|
3.75%
|
|
36 Month Jumbo
|
$100,000
|
$100,000
|
3.80%
|
3.80%
|
|
60 Month Jumbo
|
$100,000
|
$100,000
|
4.20%
|
4.20%
|
|
7 Day
|
$1,000
|
$1,000
|
1.25%
|
1.26%
|
|
3 Month
|
$1,000
|
$1,000
|
2.05%
|
2.07%
|
|
6 Month
|
$1,000
|
$1,000
|
2.30%
|
2.33%
|
|
9 Month w/ Bump (a)
|
$1,000
|
$1,000
|
2.35%
|
2.38%
|
|
12 Month w/ Add-On (b)
|
$500
|
$500
|
2.55%
|
2.58%
|
|
12 Month
|
$500
|
$500
|
2.55%
|
2.58%
|
|
13 Month
|
$500
|
$500
|
3.70%
|
3.77%
|
|
18 Month
|
$500
|
$500
|
2.60%
|
2.63%
|
|
24 Month
|
$500
|
$500
|
2.65%
|
2.69%
|
|
36 Month
|
$500
|
$500
|
2.75%
|
2.79%
|
|
60 Month
|
$500
|
$500
|
3.25%
|
3.30%
|
|
Individual Retirement Accounts
|
||||
|
12 Month IRA
|
$100
|
$100
|
2.55%
|
2.58%
|
|
18 Month IRA
|
$100
|
$100
|
2.60%
|
2.63%
|
|
24 Month IRA
|
$100
|
$100
|
2.65%
|
2.69%
|
|
36 Month IRA
|
$100
|
$100
|
2.75%
|
2.79%
|
|
60 Month IRA
|
$100
|
$100
|
3.25%
|
3.30%
|
|
12 Month SEP
|
$100
|
$100
|
2.55%
|
2.58%
|
|
18 Month SEP
|
$100
|
$100
|
2.60%
|
2.63%
|
|
24 Month SEP
|
$100
|
$100
|
2.65%
|
2.69%
|
|
36 Month SEP
|
$100
|
$100
|
2.75%
|
2.79%
|
|
60 Month SEP
|
$100
|
$100
|
3.25%
|
3.30%
|
|
First Heritage Bank CD's including fees, rates and account features are subject to change. Fees could reduce earnings. Certain restrictions apply. A substantial penalty may be imposed for early withdrawal on all CD products. Ask a First Heritage Banker for details today. (a)First Heritage 9 Month CD with Bump Rate Feature, offers one rate bump per each nine month term. Additional deposits of at least $100 are allowed at the time of rate bump. (b)First Heritage 12 Month Add On CD - You may make unlimited deposits into your accout. The minimum amount you can deposit is $100. |
||||
| This table represents the fees for additional bank services that are offered for your everyday convenience. Fees are current as of 3/21/2008. | |
|
Additional Bank Services
|
Fee Associated With Service
|
|
CHECKING SERVICE
|
|
|
NSF Fee
|
$33 per item *
|
|
Daily Negative Balance Fee
|
$5 per day until neg bal is paid current
|
|
Stop Payment Fee
|
$25 per request*
|
|
Return Item Fee
|
$5 per item
|
|
Overdraft Sweep Transfer
|
$5 per sweep
|
|
Check Order Fee
|
Varies according to style
|
|
Endorsement Stamp Fee
|
Varies according to style
|
|
Night Deposit Locking Bag
|
$16 per locking bag
|
|
ATM AND DEBIT CARD
|
|
|
First Heritage Bank ATM Usage Fee
|
$0 for FHB customers
|
|
Non First Heritage Bank ATM Usage Fee
|
$1 per transaction
|
|
Outside the US ATM Usage Fee
|
$1 per transaction
|
|
BANKING SERVICES
|
|
|
Traveler's Checks
|
1.5% face value
|
|
Money Orders
|
$4 each*
|
|
Cashier's Checks
|
$5 each
|
|
Replacing Checks w/ Cashier's Checks
|
$5 each
|
|
Garnishments
|
$20 each request
|
|
IRS Levies
|
$50 each request
|
|
Withholding and Delivery Order
|
$10 each request
|
|
Gift Checks
|
$2.50 per check
|
|
Gift Cards
|
$3.95 per card
|
|
WIRE TRANSFER
|
|
|
Incoming Domestic
|
$15 each request
|
|
Outgoing Domestic
|
$30 each request
|
|
International
|
$35 each request
|
|
COLLECTIONS
|
|
|
Incoming
|
$20 each item
|
|
Outgoing
|
$30 each item
|
|
OTHER ACCOUNT FEES
|
|
|
Abandoned/Dormant Account Handling Fee
|
$50 per account
|
|
Dormant Account Fee
|
$5 monthly
|
|
Account Research
|
$30 per hour
|
|
NON-CUSTOMER CHARGES
|
|
|
Coins for Non Customer
|
$0.50 per roll
|
|
Non-Customer Check Cashing Fee
|
$5 per check
|
|
SAFE DEPOSIT BOX RENTALS
|
|
|
3 x 5
|
$25 per year
|
|
5 x 5
|
$35 per year
|
|
3 x 10
|
$40 per year
|
|
5 x 10
|
$55 per year
|
|
10 x 10
|
$90 per year
|
|
Lost Key Replacement
|
$15 per key
|
|
Box Drilling
|
$125 each occurance
|
|
NOTARY SERVICE
|
|
|
FHB Customer
|
$0 each item
|
|
Non FHB Customer
|
$5 each item
|
|
Closing Account Fee
|
$10 if closed within 120 day
|
|
First Heritage Bank service fees are subject to change. Certain restrictions apply. Ask a First Heritage Banker for details today. *New Fees effective August 10, 2008. |
|
