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Work Hard. Save Smart. Stay Flexible.

Life in South Central Missouri is all about balance – hard work, smart investments, and a little room to enjoy the ride. A Heritage Bank of the Ozarks Money Market account fits right in, giving you the power to grow your savings with competitive interest rates while still keeping your funds accessible when you need them. With limited check-writing privileges and unlimited in-person withdrawals, you get the best of both worlds – higher earnings and everyday flexibility.

  • Competitive, tiered interest rates – higher balances earn more 
  • Interest credited monthly for steady growth 
  • Limited check-writing privileges for easy access 
  • Unlimited in-person withdrawals 
  • Six free transfers or checks per month; $10 each thereafter1
  • $10 monthly maintenance fee – waived with a $2,500 minimum balance2
  • Free check imaging, online banking, mobile banking, and E-statements 
  • FDIC-insured for peace of mind 

Two Options to Serve You

Grow Your Savings with a Premium Rate

Maximize your earning potential with our Premium Money Market3 account. Enjoy competitive rates, flexible access to your funds, and the security of banking with a team that puts Neighbors first. A $25,000.00 deposit is required to open. You can visit your local branch to open today.

Dollar Amount
Annual Percentage Yield3
$2,500.00-$149,99.99 4.00%
$150,000.00 and above 4.10%

 

Find a Branch

With only a $100 deposit requirement to open, a Money Market3 account allows your investment to grow steadily. Open in minutes online or in person.

Dollar Amount
Annual Percentage Yield3
$2,500.00-9,999.99  0.15%
$10,000.00-49,999.99 0.20%
$50,000.00-149,999.99 0.35%
$150,000.00 and above 0.50%

 

Open in Minutes

HBO_Website_Lebanon Kirsti Office

A Money Market Built for Savvy Savers

Your money should be as hardworking as you are. With a Heritage Bank of the Ozarks Money Market account, you don’t have to choose between earning more and staying flexible – you get both. 

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Online Banking 

Explore the convenience of our online banking platform, designed to meet your evolving financial needs. Experience hassle-free banking on the go, and if you have multiple users requiring account access, we've got you covered. 

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Debit & Credit Cards

It is essential to ensure you have access to your funds whenever and wherever you use them. Our Heritage Bank instant issue debit card makes this a reality. We also offer personal and business credit cards.

Explore Debit & Credit Cards

Bill Pay

Paying bills may often feel like a chore, but with our Bill Pay feature seamlessly integrated into our online platform, you can effortlessly manage your payments from the comfort of your own home using your preferred service.

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Person-to-Person Transfer

Need to send money to someone but lack their banking details? Thanks to our "P2P Transfers," all you require is the recipient's name and phone number. With a simple click, a link is dispatched to their phone, allowing them to seamlessly enter their bank account info and complete the transfer process.

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ATM & Deposits

You don't need to worry if you're too busy to visit the bank for a deposit. Conveniently deposit checks from anywhere using your online banking account from a smartphone or tablet. Or do normal banking hours not fit your schedule? Our Heritage Bank ATM offers 24/7 deposit services.

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Additional Deposit Insurance

Deposit balances over $250,000 may participate in CDARS/ICS, a product that offers the convenience of one banking relationship. Fees may apply.

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Neighbor-Approved

For over 20 years, our Neighbors have trusted their Neighbors at Heritage Bank. You can, too.

Financial Empowerment

We take your local dollars and invest them locally with all local decisions. We listen and help instill financial confidence in our Neighbors.

Community Focus

We are more than a local bank; we see our customers as Neighbors. Community involvement isn’t just something we do; it’s who we are.

Everything you need in a bank plus we are Neighbors Serving Neighbors.

1Transfers and payments made through online banking and bill pay count toward the limit of six per month. Excess transfers will be assessed $10 each in excess of six. In-person withdrawals are unlimited.

2Avoid a $10 monthly maintenance fee with a minimum daily balance of $2,500.00 or an average collected balance of $7,500.00.

3Rate may change at any time. Rate is accurate as of 3/13/2025. Fees may reduce earnings on accounts. You must maintain a minimum daily balance of $2,500.00 in your account each day to earn the disclosed rate of interest.

Diversify Your Savings

Steady Growth. Secured Money. No Guesswork.
Dream Big and Save Smart with a CD.