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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!

Holiday Club Account is an interest bearing account which uses the daily balance method to calculate interest. Interest will be compounded at maturity paid at maturity.

 

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 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.

Junior Savers Account is an interest bearing account which uses the daily balance method to calculate interest. Interest will be compounded monthly and credited to your account monthly.

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

Premium Money Market is an interest bearing account which uses the daily balance method to calculate interest. Interest will be compounded monthly and credited to your account monthly.