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Personal Savings Accounts

 

Not sure which savings account is right for you?
Compare accounts and start saving today!

Versatile Accounts Built for Every Saver

What are your savings goals? Whether you want to build an education fund, create a safety net for seasonally slow periods, or grow a nest egg for retirement that is FDIC-insured, there’s a Heritage savings account to help you get there. Earn interest to accelerate your growth, plus access a variety of free money management tools.

Neighbor Rewards Savings

A powerful, interest-earning account that builds your savings automatically.

  • Links to free Neighbor Rewards Checking
  • No minimum balance to earn rewards
  • $100 minimum deposit to open

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Regular Savings

A flexible, interest-earning account that makes it easy to build your nest egg or rainy-day fund.

  • Interest paid on daily collected balance
  • 6 free withdrawals/transfers per month1
  • $100 minimum deposit to open

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Youth Savings

The ideal account for building college savings or simply developing good money-saving habits that lay the foundation for a lifetime of financial health. 

  • Earns interest
  • Available for children up to the age of 18
  • $5 minimum deposit to open

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Money Market Account

A top-tier, versatile account that lets you save, invest, and spend.

  • Competitive, tiered rates above standard savings
  • Check writing privileges
  • $100 minimum deposit to open

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Certificates of Deposit (CDs)

A secure investment tool. Sit back and watch your money grow with a CD.

  • Competitive, fixed rate for length of term
  • Greater earnings than standard savings
  • $1,000 minimum deposit to open

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Individual Retirement Accounts (IRAs)

Plan for a comfortable retirement and invest in your future with an IRA – Traditional or Roth. 

  • Save for retirement with tax advantages
  • Earn competitive interest higher than regular savings
  • $1,000 minimum deposit to open

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Compare Personal Savings Accounts
Neighbor Rewards Savings Regular Savings Youth Savings Money Market Account
Compare Accounts
Minimum to Open
$100
$100
$5
$100
Earns Interest
Free Online and Mobile Banking
Free E-statements
Free Check Imaging N/A N/A N/A
Withdrawals or Transfers
6 free/month¹
6 free/month¹
6 free/month¹
6 free transfers or checks/month²
Monthly Maintenance Fees N/A
$6 (waived if you maintain $300 minimum balance)
 N/A
$10 (waived if you maintain $2,500 minimum balance)
 
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HBO_Website_Heritage Digital banking

Personal Banking at Your Fingertips

With our mobile banking app on your smartphone, a Heritage Bank “branch” is always close by. Manage your accounts 24/7 from almost anywhere.

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Checking vs. Savings Account

What's the difference?

While account features can vary, funds in checking accounts are generally liquid and used to handle everyday transactions like paying bills and making purchases. Customers typically use savings accounts as a safe place to store and accumulate funds to meet certain goals, like buying a house or building an emergency fund. 

Explore Checking Accounts

I love seeing my Neighbors reach their goals, whether building a safety net or saving for something special. No matter what you're saving for, we have options to help make it happen.
JenWebster-1
Jennifer Webster
Camdenton, Branch Manager
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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 are not permitted and will be assessed $1 each in excess of six. In-person withdrawals are unlimited.

2Transfers and payments made through online banking and bill pay count toward the limit of six per month. Excess transfers are not permitted and will be assessed $10 each in excess of six. In-person withdrawals are unlimited.

Financial Advisors

You work hard for your money. Make sure you’re ready for the future you deserve! Our Financial Advisors are here to guide you with a full range of financial services, offered through Ameriprise, to help you plan and achieve your financial goals.
Investment Products are: Not FDIC insured | No Financial Institution Guarantee | May Lose Value