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Our FDIC-insured Savings Accounts are variable-rate interest-bearing accounts. Please select a product below for more information.

Statement Savings Account

  • 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

  • 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

 

Holiday Club Account

  • It's free to set up and maintain the account
  • Deposit any amount throughout the year or let us help you with automatic deposit options
  • In early November, we will mail you a check with your savings plus earned interest– just in time for holiday shopping!

 

Junior Savers Club Account™

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

Junior Savers special events.

Community Savings

  • 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

  • Interest is variable and paid on the daily collected ledger balance;  Interest rates are tiered
  • Unlimited deposits and withdrawals in person.  Up to six preauthorized transfers, checks and drafts 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

  • Interest is variable and paid on the daily collected ledger balance;  Interest rates are tiered
  • Unlimited deposits and withdrawals in person.  Up to six preauthorized transfers, checks and drafts 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