Personal Savings

HeritageBank makes saving easy. No matter what you’re saving for—education, retirement, an emergency fund—we have the account to fit your needs. First-time savers benefit from our low minimum balance savings account. Those looking for higher yields can shop our array of money market and CD options. Free direct deposit and automatic account transfers make saving seamless and effortless.

Regular Savings

Start saving, have quick access to your money and earn competitive interest with a Regular Savings account.*

  • Maintain a balance of $100 or more to earn interest and avoid quarterly balance fees
  • Begin saving with as little as a $100 opening deposit
  • FREE ATM card
  • Use this account as overdraft protection for your checking account. Ask us how.

*Federal banking regulations limit you to six pre-authorized, telephone or online transfers per month. This includes checks, drafts, or similar orders you make payable to a third party. Debit fees may apply per withdrawal/debit after 6 per calendar month. See fee schedule.

Money Market

When you want to earn interest, but need your savings to be accessible, a Money Market account is an excellent option.*

  • Earn interest and avoid a monthly minimum balance fee by keeping a balance of $1,000 or more 
  • Earn higher interest as your balance grows
  • Rates are tiered
  • Open with a $1,000 deposit
  • Receive your first order of checks FREE

* Federal banking regulations limit you to six transfers/withdrawals per monthly statement cycle. May be any combination of transfers, preauthorized transfers, telephonic transfers, withdrawals, checks, drafts or ATM/check card transactions. Item service charges may apply. See fee schedule.

Holiday Savings

When you’re saving for something special like a vacation, holiday or shopping spree, a Holiday Savings account will help you meet your savings goal.

  • Open with as little as $10
  • Maintain a minimum balance of $100 to earn interest 
  • Make two withdrawals during the year without penalty*

*Each withdrawal made in excess of two per year will incur a service charge. See fee schedule.

Youth Savings

Whether you are saving for your child’s future or teaching your child to save, a Youth Savings account gives your child a financial head start.* 

  • Open with as little as $25
  • Maintain a minimum balance of $100 to earn interest
  • Must be under 21 years old

*Federal banking regulations limit you to six pre-authorized, telephone or online transfers per month. This includes checks, drafts, or similar orders you make payable to a third party. Debit fees may apply per withdrawal/debit after 6 per calendar month. See fee schedule.

Certificates of Deposit

Higher interest rates and various terms help you reach your savings goal faster.*

  • Open with as little as $500
  • Choose from various terms for greater flexibility in your investment. Terms range from 90 days to 60 months.
  • Earn competitive rates. Interest will be compounded and applied to your account quarterly on 12- to 60-month terms. Interest will be paid at maturity on 90-day to nine-month terms.

*Early withdrawal fees may apply.

Rate Information

Savings Calculators


 
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