Savings Accounts

Our savings accounts provide a safe and secure way to earn interest on your money while still having access to your funds for opportunities or emergencies. You can also transfer funds between your checking account and savings account 24 hours a day by telephone with our Heritage Access Line. Select the savings account that best meets your needs.

Choose the Savings Account that is Best for You
Account*	Open Online	Minimum Balance	Special Features
Statement Savings		$300 ($2 fee if balance falls below minimum)*	Interest is earned on collected balances. ATM card available.
Money Market Advantage		$1000 ($10 fee if balance falls below minimum)	Write up to 6 checks per statement cycle. Interest is earned on collected balances and rates are tiered to pay a higher interest rate on higher balances. ATM card available with unlimited use.
*No fee if account holder is under age 19.
For current deposit rates, click here.

Open your account online today!

Certificates of Deposit

Heritage Bank offers a wide variety of certificates of deposit (CD's). The options are designed to suit your personal savings needs. Certificates generally provide an investor the opportunity to earn a higher rate of return than other bank accounts.

Choose the Certificate of Deposit that is Best for You
Account*	Open Online	Minimum to Open	Special Features
Liquid Certificate	N/A	$5000 ($6 fee if balance falls below $5,000)	Unlimited in-person deposits and withdrawals. No penalty for withdrawal - no stated maturity date. Interest rates are tiered to pay a higher rate on higher balances.
Term Savings Certificate	N/A	Based on the monthly amount required to meet your selected ending balance.	Choose between 1 to 5 year term. Choose between $1,000, $3,000, $5,000, $10,000, $30,000, $50,000, $75,000, or $100,000 as your desired ending balance. Deposits are required during term to reach desired maturity balance. Does not automatically renew.
Flex-Term Certificate	Open 3, 6 or 9 Month Term Online	$2,500	Flexible terms, choose a term from 3 - 11 months. Additional deposits allowed in $500 increments up to opening balance amount. Automatic renewal at current rate of interest. Ten day grace period at maturity for deposit or withdrawal of funds.
Fixed Rate Certificates 1 Year, 18 Month, 30 Month, 2, 3, 4 or 5 Year Certificate	Open 1 year or 18 Month Term Online	$2,500	Flexible terms, choose 1 year, 18 or 30 months, 2, 3, 4, or 5 years. Automatic renewal at current rate of interest. Ten day grace period at maturity for deposit or withdrawal of funds.
Jumbo Certificate of Deposit	N/A	$100,000	Flexible terms, choose 30 days to 1 year.
Individual Retirement Accounts	N/A	$100	Flexible terms, choose 1, 2, 3, 4, or 5 years. Deposits of $25 or more allowed at anytime up to maximum investment amount. Automatic renewal at current rate of interest.
For current deposit rates, click here.

Open your account online today!