Savings Accounts
Choose from our traditional savings, higher-yielding CDs and money market accounts that best fit you.

Personal Savings Account Money Market Personal Venture Money Market Certificate of Deposit
CD Options
Certificate of Deposit, Add-on
CD Options
IRA Health Savings Account
Best for: Individuals who want to earn interest with a traditional savings account and have easy access to funds. Individuals who want to earn interest and have the flexibility to access their funds when needed. Individuals who want a higher interest rate than with a savings account, plus the flexibility to access their money when needed and maintain a minimum balance of $500,000.

Accelerate your earnings with a higher balance.
Individuals who want to earn a higher interest rate and can put a specific amount of money aside for a set period of time at a locked in interest rate. Individuals who want to earn higher interest rates with the flexibility to make deposits and partial withdrawals. Individuals who want to save for future retirement on a tax-free basis. Individuals who want to save for future qualified medical expenses on a tax-free basis.
Minimum opening balance: $100 $2,500 $500,000 $2,500 $2,500 $1,000 $500
Services charges: $5/quarter.

Waived with minimum daily balance of $1,000.
$15/month.

Waived with minimum daily balance of $2,500.

Waived with average daily available balance of $5,000.
$25/month.

Waived with minimum daily balance of $25,000.

Waived with average daily available balance of $50,000.
No charge. No charge. $20/year.

Waived with minimum daily balance of $10,000.
$2/month.

One-time set up fee of $35 will be charged when account is opened.

$20 account fee when account is closed.

Monthly service charge waived with minimum daily balance of $2,000.

Monthly service charge waived with average daily available balance of $5,000 or maintain $10,000 in combined balances in accounts under the same ownership.
Online access: yes check yes check yes check yes check yes check yes check yes check
Phone access: yes check yes check yes check no check no check no check no check
Features: Various terms available.

Rate is locked in for entire term.

Change term or dollar amount at maturity (or within 10 day grace period).
Make additional deposits anytime during the term.

Make up to two partial withdrawals during the term.

Rate is locked in for entire term.
Qualify for tax savings while your account earns interest. Qualify for tax savings while your account earns interest.

Chart Key
Details
Rates and fees are subject to change.

Certificate of Deposit (CD) Options


Earn a higher interest rate on your money than with a traditional savings account. If you don't need ready access to your cash, our certificates of deposit are your solution. Terms range from one month to five years. Annual percentage yields vary based on amount of deposit and term. Choose the term that best fits your needs and lock in a rate.

Terms: Jumbo CD (Business only)
14-30 days
31-364 days 1 year and over 1 year add-on Premium
18-month Add-on
Jumbo
31-364 days
 
Jumbo
1 year and over
 
Minimum to Open: $100,000 $2,500 $2,500 $2,500 $50,000
($25,000 of which must be new funds to Heritage Bank)
$100,000 $100,000