Personal Savings Accounts HeritageDirect Savings

Current Rate Sunday, May 11, 2008 2.09% APY*

Heritage Direct Savings pays our most competitive rate, with the convenience of managing your account online. Since it's an all-electronic account that you manage online, we're able to offer you this premier rate.

• Open an account with $1,000 or more (must apply through our web site)
• Transfer money to or from your account...anytime, online
• Get the FDIC insurance benefits of a savings account with the high interest rate of a money market account
• Earn one of the highest rates in the nation
• Pay no fees (if you maintain a $1,000 balance)

How to Open an Account
Opening an account is easy. Click here to see what information you'll need to provide or click here for simple application instructions.

Additional Features

• Account holder must have a linked checking account (at any financial institution chartered in the U.S.) which can be used to transfer money from this account. Click here to learn about Linked Checking Accounts.
• Take advantage of our Automatic Savings Plan and schedule automatic transfers into your account
• Variable interest rate may change daily; Interest calculation is based on average available (collected) balances and is compounded monthly
• No interest earned if account balance is less than $1,000
• $10 monthly service charge if account falls below $1,000 (daily minimum ledger balance); fees could reduce earnings
• $25 fee if account is closed within 90 days of opening
• For more details, see our Account Terms and Conditions

Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

During the approval process it may be found that additional information or documentation may be necessary in order to open the account. We will contact you for any additional information needed to open your account.

Account Disclosure
Federal banking regulations require that you read the account disclosure when you apply for a bank account. Click here to read the Heritage Direct Savings Account Terms and Conditions.

* The Annual Percentage Yield (APY) is in effect as of Sunday, May 11, 2008. Rates may change without notice after account is opened. Fees may reduce earnings.

** National savings average from Bankrate.com.