TURN REWARDS INTO SAVINGS.
Saving has never been simpler. Link your Heritage Cash or Heritage Cash Back checking to this free account that earns interest every month you qualify.*
Benefits You'll Love
- Earn interest to help you save*
- No monthly maintenance fees
- No minimum balance requirements
- Automatic reward transfers*
- Free account that builds your savings effortlessly
- Links to free Heritage Cash or Heritage Cash Back checking
- Automatic transfers of Heritage Cash or Heritage Cash Back earnings
- 2.00% APY* on balances up to $100,000
- 2.00% to 1.50% APY on balances over $100,000 depending on balance in account*
- 0.05% APY* if qualifications are not met in Heritage Cash or Heritage Cash Back
- No monthly maintenance fee
- No minimum balance to earn rewards
- Free digital banking services, including:
- Free online banking and bill pay
- Free mobile banking with mobile deposit
- Free eStatements
- $20 minimum deposit to open
Qualifications
Qualifying for your Heritage Cash or Heritage Cash Back rewards automatically qualifies you for the highest Heritage Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Heritage Cash or Heritage Cash Back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- At least 1 direct deposit, ACH credit, or ACH payment transaction
- Be enrolled in and agree to receive eStatements
If you don’t meet these qualifications, don’t worry — your accounts are still free. You’ll still earn our base rate on Heritage Saver, and you can get right back to earning your full rewards the very next cycle that you qualify.
*APY= Annual Percentage Yield
Additional Information:
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
A $20 minimum deposit is required to open the account.
Monthly ACH debit or credit, enrolled in eStatements, are conditions of this account.
Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications.
Limit of 1 account(s) per social security number.
There are no recurring monthly maintenance charges or fees to open or close this account.
A Heritage Cash or Heritage Cash Back account is required to have a Heritage Saver account.
A linked Heritage Saver account is required for automatic savings.
Advertised information and rewards are based on all account qualifications being met during each cycle period.
Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Member FDIC.
Use this calculator to determine your projected earnings from our Heritage Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Heritage Cash*
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $25,000 | $100 | 5.84% | 6.00% |
| $25,000+ | $100 | 1.00% | 6.00% to 2.00% |
| All balances if qualifications not met | $100 | 0.0499% | 0.05% |
*Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Heritage Cash account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- At least 1 direct deposit, ACH credit, or ACH payment transaction
- Be enrolled in and agree to receive eStatements
Heritage Saver*
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $50,000 | $20 | 1.98% | 1.00% |
| $50,000+ | $20 | 1.00% | 2.00% to 1.50% |
| All balances if qualifications not met | $20 | 0.0499% | 0.05% |
*Qualifications
Qualifying for your Heritage Cash or Heritage Cash Back rewards automatically qualifies you for the highest Heritage Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Heritage Cash or Heritage Cash Back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- At least 1 direct deposit, ACH credit, or ACH payment transaction
- Be enrolled in and agree to receive eStatements
Wisdom Elite*
|
Average Daily Balance |
APR |
APY |
|
>$100,000 |
3.50% |
3.56% |
|
$50,000-$99,999 |
3.10% |
3.15% |
|
$25,000-$49,999 |
2.65% |
2.69% |
|
$15,000-$24,999 |
1.90% |
1.92% |
|
<$15,000 |
1.00% |
1.01% |
Rates may change after account opening. Transaction fees may reduce earnings.
*APY accurate as of 2/12/2026. APY=Annual Percentage Yield. This is a tiered-rate account. Rates vary by balance tier and may change after account opening. See bank for complete tier details, transaction limitations, and fee schedules. Member FDIC.