Personal Banking | Savings

Whether you’re opening a regular savings account or looking for CDs, Heritage Bank has your best interest in mind. We offer competitive interest rates on all savings accounts, as well as a variety of savings options to fit your needs.

Heritage Regular Savings Account

• Available to individuals
• Minimum to open: $100
• Limit 3 withdrawals per month
• $3 per withdrawal in excess of 3 per month
• Maintenance fee of $6 per quarter if minimum daily balance falls below $300 any day in the statement cycle
• Interest paid quarterly based on daily ledger balance

Heritage Junior Savings Account

• Minors savings account (18 and under)
• Minimum to open: $25
• Limit 3 withdrawals per month
• No minimum daily balance requirement
• $3 per withdrawal in excess of 3 per month
• Interest paid quarterly based on daily ledger balance

Money Market Account

• Interest bearing account with limited transactions
• Available to all depositors
• Minimum to open: $2,500
• Limit of 6 withdrawals per statement cycle, of which no more than 3 may be by third party check or preauthorized withdrawal, $12 per withdrawal in excess of these limits
• Maintenance fee $15 per statement cycle if minimum daily balance falls below $2,500 any day in the statement cycle
• Interest paid monthly based on daily ledger balance
• Free online banking

Legacy Money Market Account

• Minimum to open: $25,000
• Limit of 6 withdrawals per statement cycle, of which no more than 3 may be by third party check or preauthorized withdrawal, $12 per withdrawal in excess of these limits
• Tiered interest rate paid monthly based on daily ledger balance:
  Tier 1 – Daily Balance is $250,000 or more
  Tier 2 – Daily Balance is more than $99,999.99 but less than $250,000
  Tier 3 – Daily Balance is more than $24,999.99 but less than $100,000
  Tier 4 – Daily Balance is more than $999.99 but less than $25,000
  Tier 5 – If your daily balance is less than $1,000 there will be no interest paid on the account