Savings Accounts

Our FDIC-insured Savings Accounts are variable-rate interest-bearing accounts:

  • Statement Savings Account
  • Passbook Savings Account
  • Junior Savers Club® Account

Statement Savings Account—Features & Benefits
  • Minimum Daily Balance requirement of only $200 to avoid $4.00 maintenance fee during the statement cycle
  • Interest is variable, paid on the daily collected ledger balance, compounded and paid monthly
  • Statements conveniently combined with your monthly checking statement OR sent quarterly, but will be sent each month in which an EFT transaction occurred.
  • Transfer funds as needed to your checking account with Telebank or FREE online banking (subject to transfer limitations per federal regulation)
  • Check out our Savings Deposit Rates
  • You may open this account with any initial deposit

Passbook Savings Account—Features & Benefits

 

  • Minimum Daily Balance requirement of only $200 to avoid $4.00 maintenance fee during the month
  • You receive a personalized passbook which must be presented each time you make a deposit or withdrawal, to record all of your transactions
  • Interest is variable, paid on the daily collected ledger balance, compounded and paid monthly
  • Check out our Savings Deposit Rates
  • You may open this account with any initial deposit

Junior Savers Club® Account—Features & Benefits

 

The Junior Savers Account is a Savings Account designed to teach children and young adults the rewards of saving. The benefits of a Junior Savers Club Account are:

No minimum balance, and regular account maintenance fee is not charged for Junior Savers through age 21

  • A higher rate of interest than our regular savings account
  • A free savings bank to remind them that it pays to save!
  • Junior Savers are eligible for a number of other fun benefits
  • Check out our special Junior Savers Deposit Rates

Learn more about our Junior Savers special events.

Community Savings Account-Features & Benefits

 

  • Interest is variable, paid on the daily collected ledger balance, compounded and paid monthly; Interest Rates are tiered
  • Unlimited deposits and withdrawals in person - No checks are allowed
  • Average daily balance of $5,000 to avoid $15 maintenance fee during the month
  • You may open this account with any initial deposit

Heritage Money Market Account-Features & Benefits

 

  • Interest is variable and paid on the daily collected ledger balance;  Interest rates are tiered
  • Unlimited deposits and withdrawals in person.  Up to six transfers from your account per month, excess transactions are $15 each
  • Minimum daily balance of $1,000 or a minimum average daily balance of $5,000 during the monthly statement cycle to avoid a $15 maintenance fee

Premium Money Market-Features & Benefits

 

  • Interest is variable and paid on the daily collected ledger balance;  Interest rates are tiered
  • Unlimited deposits and withdrawals in person.  Up to six transfers from your account per month, excess transactions are $15 each
  • Minimum daily balance of $10,000 or a minimum average daily balance of $25,000 during the monthly statement cycle to avoid a $25 maintenance fee

It's Easy To Open These Accounts

Our SimpleSwitch® system makes switching your bank accounts, direct deposit and automatic bill payment very simple. Fill out and submit this application form or come see one of our friendly personal bankers.