Personal Savings Accounts Find Ways to Save

Heritage Bank Savings Accounts

Whether you’re saving for a rainy day or week of sunshine on the beach, for your family’s future or for your retirement, we’ve got the products and the people equipped to advise you.

Savings Accounts

Statement Savings
  • Interest earning (requires $100 min. balance to earn interest).
  • Interest compounded daily and credited quarterly on the last business day of the quarter.
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Minor Savings
  • For children under age 18.
  • Interest earning.
  • Interest compounded daily and credited quarterly on the last business day of the quarter.
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Christmas Club
  • Short-term savings account.
    Early withdrawals from this account are not permitted. Account automatically closes in mid-October. Check can be mailed or deposited into an account.
  • Not interest bearing.
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Money Market Accounts
  • Interest compounded daily and credited monthly.
  • Interest rate tiered according to balance. Subject to change.
  • Interest paid on the daily balance.
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Certificates of Deposit

  • Minimum deposit required to open account varies based on term of CD.
  • Interest compounded daily.
  • Penalty for early withdrawal.
  • Time Deposits with a fixed interest rate for a specified period.

Individual Retirement Accounts*

Traditional IRA

Contributions may qualify as tax deductions in that tax year. Contributions and earnings are tax-deferred until the funds are withdrawn.

  • A customer must have an earned income to contribute to the IRA.
  • Mandatory distributions begin at age 73.
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Roth IRA
  • Contributions not tax deductible.
  • Earnings grow tax-free.
  • Customer must have an earned income to contribute.
  • No mandatory distributions.

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Simplified Employee Pension (SEP) IRA
  • Employers and self-employed individuals eligible.
  • Contributions eligible for tax deductions.

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Coverdell IRA
  • Custodial Education Savings Accounts designed to help families save toward education expenses.
  • Contributions are not tax deductible, but earnings are tax deferred.
  • Distributions for qualified education expenses are tax free.
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*Customers are encouraged to speak with a banker or financial advisor before selecting an IRA or withdrawing IRA funds.

Explore Your Full Range of Options

To learn about the full range of options for planning your financial future, please contact a Heritage Banker.

Building Up Our Communities

Heritage Bank is committed to building up the communities we serve. Our employees record more than 4,000 volunteer hours per year!

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