Free checking account with no monthly fees and no minimum balance to open or maintain.
Save More Checking
Earn a higher rate on daily balances of $3,000 to $19,999. Plus, this account qualifies you for the Save More Savings account.
Max APY: 0.40%Min Deposit: $0.00
Dividend Checking
Earn dividends on balances over $100. Includes free checks.
APY: 0.05%
Secondary Savings
APY: 0.02%
Save More Savings
This account is only available to members with a Save More Checking account. Open both today!
Max APY: 0.20%Min Deposit: $0.00
Saver's Sweepstakes
APY: 0.10%
Holiday Club Savings
APY: 0.05%
Save More Money Market
Max APY: 0.20%Min Deposit: $0.00
High Yield Money Market
Max APY: 0.50%Min Deposit: $0.00
15 Month Certificate SPECIAL
APY: 0.70%
6 Month Certificate
APY: 0.10%
6 Month Certificate IL
APY: 0.10%
12 Month Certificate
APY: 0.20%
12 Month Certificate IL
APY: 0.20%
24 Month Certificate
APY: 0.30%
24 Month Certificate IL
APY: 0.30%
36 Month Certificate IL
APY: 0.40%
36 Month Certificate
APY: 0.40%
48 Month Certificate
APY: 0.60%
48 Month Certificate IL
APY: 0.60%
APY (Annual Percentage Yield)
Your Selected Products
Dividend Rate
APY
Minimum Balance
Minimum Deposit
Term (months)
0.00%
0.00%
$0.00
$0.00
N/A
0.02%
0.02%
$20,000.00
$0.00
N/A
0.40%
0.40%
$3,000.00
$0.00
N/A
Dividend Rate
0.00%
APY:
0.00%
Minimum Balance:
$0.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.02%
APY:
0.02%
Minimum Balance:
$20,000.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.40%
APY:
0.40%
Minimum Balance:
$3,000.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
APY
Minimum Balance
Minimum Deposit
Term (months)
0.02%
0.02%
$25,000.01
$0.00
N/A
0.20%
0.20%
$0.00
$0.00
N/A
Dividend Rate
0.02%
APY:
0.02%
Minimum Balance:
$25,000.01
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.20%
APY:
0.20%
Minimum Balance:
$0.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
APY
Minimum Balance
Minimum Deposit
Term (months)
0.00%
0.00%
$0.00
$0.00
N/A
0.05%
0.05%
$2,000.00
$0.00
N/A
0.10%
0.10%
$10,000.00
$0.00
N/A
0.10%
0.10%
$25,000.00
$0.00
N/A
0.20%
0.20%
$50,000.00
$0.00
N/A
0.20%
0.20%
$100,000.00
$0.00
N/A
Dividend Rate
0.00%
APY:
0.00%
Minimum Balance:
$0.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.05%
APY:
0.05%
Minimum Balance:
$2,000.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.10%
APY:
0.10%
Minimum Balance:
$10,000.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.10%
APY:
0.10%
Minimum Balance:
$25,000.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.20%
APY:
0.20%
Minimum Balance:
$50,000.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.20%
APY:
0.20%
Minimum Balance:
$100,000.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
APY
Minimum Balance
Minimum Deposit
Term (months)
0.00%
0.00%
$0.00
$0.00
N/A
0.02%
0.02%
$100.00
$0.00
N/A
0.50%
0.50%
$75,000.00
$0.00
N/A
0.50%
0.50%
$125,000.00
$0.00
N/A
0.50%
0.50%
$200,000.00
$0.00
N/A
0.50%
0.50%
$250,000.00
$0.00
N/A
Dividend Rate
0.00%
APY:
0.00%
Minimum Balance:
$0.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.02%
APY:
0.02%
Minimum Balance:
$100.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.50%
APY:
0.50%
Minimum Balance:
$75,000.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.50%
APY:
0.50%
Minimum Balance:
$125,000.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.50%
APY:
0.50%
Minimum Balance:
$200,000.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.50%
APY:
0.50%
Minimum Balance:
$250,000.00
Min Deposit:
$0.00
Term (months):
N/A
Would you like to opt in to the Member Privilege overdraft coverage program? Qualified members can withdraw more than the account balance, up to a pre-approved limit, for a short period of time to cover unexpected emergencies. Heritage will pay the merchant for debit card transactions and pre-authorized checking account withdrawals instead of taking your account negative. (Available only to qualifying members.)
Would you like to opt in to the Member Privilege overdraft coverage program? Qualified members can withdraw more than the account balance, up to a pre-approved limit, for a short period of time to cover unexpected emergencies. Heritage will pay the merchant for debit card transactions and pre-authorized checking account withdrawals instead of taking your account negative. (Available only to qualifying members.)
Would you like to opt in to the Member Privilege overdraft coverage program? Qualified members can withdraw more than the account balance, up to a pre-approved limit, for a short period of time to cover unexpected emergencies. Heritage will pay the merchant for debit card transactions and pre-authorized checking account withdrawals instead of taking your account negative. (Available only to qualifying members.)
RATE DISCLOSURE: The special APY on the Save More Savings account is only available to members with an active Save More Checking account. The APY will default to the Primary Savings APY without an active Save More Checking.*
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