Savings and Certificate of Deposits Accounts

At Heritage Bank we understand the importance of saving for the future and unexpected emergencies. Whether you are just starting out or saving for something specific, we have a savings account to help you reach your goals:

Statement Savings

Heritage Bank's Statement savings account is the perfect savings account for your day-to-day needs and a great way to set aside a little something for future needs. Grow your money and retain full liquidity.

• $100.00 minimum deposit to open
• Maintain a $300.00 minimum monthly balance to avoid $2.00 monthly service charge
• Unlimited in branch and ATM withdrawals
• Interest earned on collected balances
• Minor savings account available with no minimum opening deposit or minimum balance required

 

Money Market Advantage

Money Market Advantage is the right savings account if you're looking to benefit from higher interest rates while keeping your money accessible. This account features the convenience of limited check writing ability along with tiered interest rates.

• $1,000.00 minimum deposit to open
• Maintain a $1,000.00 minimum balance to avoid $10.00 monthly service charge
• Up to 6 preauthorized withdrawals allowed per statement cycle, including checks
• Tiered interest earned based on collected balances
• Unlimited in-branch and ATM withdrawals

 

Liquid CD

The Liquid CD is a high yield savings account featuring tiered interest rates and unlimited in-branch transactions. This savings account enables you to grow your money and maintain full liquidity.

• $5,000.00 minimum deposit to open
• Maintain a $5,000.00 minimum monthly balance to avoid $6.00 monthly service charge
• Tiered interest earned based on collected balances
• Unlimited in-branch and ATM withdrawals

All-Access Savings

If you have an All-Access Checking account with us, our All-Access Savings account can help you make the most of your savings dollars. This account offers tiered interest and features no minimum balance requirement and no monthly service charge.

• $100.00 minimum deposit to open
• No monthly service fee or no minimum balance requirement
• Unlimited in-branch and ATM withdrawals
• Preferred tiered interest rates
• All-Access checking account required

 

Certificates of Deposit

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

• Choose from a selection of terms which best suits your financial needs.
• Competitive tiered interest rates
• Interest compounded daily and posted quarterly
• Automatic renewal with flexible grace period
• Penalty may be applied for early withdrawal
• Combined statement available with your other deposit accounts

 

Jumbo Certificates of Deposit

Jumbo CDs offer competitive market rates on deposits of $100,000.00 or more. Terms range from 7 days to 1 year. Jumbo CDs competitive market rates and accounts do not auto-renew.

• $100,000.00 minimum deposit to open
• Choose a term ranging from 7-365 days
• Competitive market interest rates
• Simple interest paid at maturity
• Penalty may be applied for early withdrawal
• Combined statement available with your other deposit accounts

Individual Retirement Accounts

We offer several options to meet your IRA investment needs. With a low minimum opening deposit and the freedom to make additional deposits as you're able, our IRA is an excellent way to get your retirement savings started. In addition, you can choose to invest in a term that best suits your needs.

• $100.00 minimum deposit to open
• Flexible options for additions
• Choose a term ranging from 1-5 years
• Competitive tiered interest rates
• Interest compounded daily and posted quarterly
• Automatic renewal with flexible grace period
• Penalty may be applied for early withdrawal
• Combined statement option available with your other deposit accounts

CDARS

Heritage Bank offers CDARS to our customers who have maximized their FDIC insurance coverage. CDARS provides a means to fully FDIC insure certificate of deposit investments. Contact us for current rates, terms and complete information.

Give us a call or stop by for complete information. We're committed to helping you find the best solutions for your financial needs.