SIMPLE SAVINGS, REAL PROGRESS.
Start small or go big. This is your space to stash cash, earn interest, and prepare for what’s next.
Benefits You'll Love
- Earn interest on your full balance
- No monthly service fees or balance requirements
- Six free withdrawals per quarter
- Free digital banking to manage your savings anytime
- Set aside for something specific or simply a rainy day
- Requires 2 forms of ID to open (one must be a picture ID)
- Competitive interest on entire balance
- Compounded and credited quarterly
- No monthly service fee
- No minimum balance requirements
- 6 free withdrawals per quarter; $1 fee for withdrawals in excess thereafter
- Free digital banking services, including:
- Free online banking
- Free mobile banking
- Free eStatements
- $20 minimum deposit to open
Your daily balance on each day is the ending balance of the account from the previous day, plus deposits and minus withdrawals made that business day.
If customer closes account before the end of the quarter, the account will not receive accrued interest.
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.