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Heritage Direct Savings

Heritage Direct Savings is an all-electronic account that you manage online which pays our most competitive savings rate.

  • Open an account with $1,000 or more (must apply through our web site)
  • Transfer money to or from your account…anytime, online
  • Earn one of the highest rates in the nation
  • No monthly service charge if you maintain a $1,000 balance

Account 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.
  • 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 daily (collected) available balances and is compounded monthly
  • Minimum balance of $1,000 required to earn interest
  • Six free withdrawals allowed per month, $3 for each additional withdrawal
  • $15 monthly service charge if account balance falls below $1,000 (daily minimum ledger balance); fees could reduce earnings
  • $30 fee if account is closed within 6 months of opening
  • Monthly eStatements required; $3 per month if paper statements are mailed

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.

Preauthorized, telephone, and online banking transfers are limited to a combined total of six per month as prescribed by federal regulations governing savings accounts. If you surpass this limitation during two months within a 12-month rolling period, your account will be charged $30.00.

Federal banking regulations require that you read the account disclosure when you apply for a bank account.

Apply Online