Savings Accounts-CDs Checking Accounts Loans
About Us Personal Banking Commercial Banking Investor Relations ATM Office Locator
Heritage Mortgage Services Heritage Bank Wealth Management Online Security

Heritage Bank: Personal Savings

If you would like to open an account, please submit an inquiry by clicking here.
Click here for Deposit calculators

The Manifest Statement Savings
  • $150 minimum to open
  • $5 service fee will be imposed every statement cycle if daily balance falls below $150.00 or $2500.00 in any combination of deposit accounts, any day of the cycle.
  • $2.50 withdrawal fee will be imposed for each withdrawal in excess of 3 per month
  • No charge for ATM-phone transfers

The Pioneer Savings Account
  • $25 minimum to open
  • $5 service fee will be imposed every statement cycle if daily balance falls below $25 any day of the cycle.
  • $2.50 withdrawal fee will be imposed for each withdrawal in excess of 3 per month
  • Must be under 18 years of age
  • Converts to Manifest Savings on 18th birthday

Christmas and Vacation Club Accounts

Make a list, check it twice and shop 'til you drop with your Heritage Bank Christmas Club account. Or stash some cash for that special vacation you've been planning. Don't pay interest expense when you can pay cash with a Christmas Club or Vacation savings account. Simply set up automatic deposits from another Heritage account and in October (Christmas) and May (vacation) you'll get a check-including all the interest you've earned-so you can go shopping just in time for the holidays or fly away on that special get-away.

  • No monthly service fee and no partial withdrawals
Savings Plus (GST)
  • $10,000.00 minimum to open
  • Tiered Interest Rate
  • $12.50 service fee will be imposed every statement cycle if daily balance falls below $2500.00 any day of the cycle
  • $2.50 withdrawal fee will be imposed for each withdrawal in excess of 4 per month

Certificates of Deposits and IRAs

Earn an attractive rate that's FDIC-insured. Whether you want to save for

retirement, education, a new home or anything else, our Certificates of Deposit give you an easy and innovative way to save.

  • Competitive interest rates
  • Terms ranging from seven days to 5 years
  • Flexible interest payments
  • Minimum deposit is $1,000; may be penalty for early withdrawal
Individual Retirement Account

Start saving now for a comfortable retirement later. An IRA is a special kind of certificate of deposit specifically targeted for retirement savings. It lets you reinvest the interest that your CD earns. Plus this interest grows tax-deferred. That means you don't have to pay any taxes until you cash out the IRA, generally at retirement. Traditional IRAs are available to anyone under age 70 with earned income. Heritage Bank will become the custodian for your IRA.

  • Competitive interest rates
  • Terms ranging from 6 months to 5 years
  • Deposits are generally tax-deductible (Consult your tax advisor)