APY = Annual Percentage Yield. Rates effective as of February 1, 2020. Fees may reduce earnings.
Heritage Cash* Learn More
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $25,000 | $100 | 3.97% | 3.97% |
| $25,000+ | $100 | 0.25% | 3.90% to 0.25% |
| All balances if qualifications not met | $100 | 0.05% | 0.05% |
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Heritage Cash account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- At least 1 direct deposit, ACH credit, or ACH payment transaction
- Be enrolled in and agree to receive eStatements
Heritage Saver* Learn More
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $50,000 | $20 | 1.73% | 1.75% |
| $50,000+ | $20 | 0.25% | 1.75% to 0.75% |
| All balances if qualifications not met | $20 | 0.05% | 0.05% |
Qualifications
Qualifying for your Heritage Cash or Heritage Cash Back rewards automatically qualifies you for the highest Heritage Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Heritage Cash or Heritage Cash Back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- At least 1 direct deposit, ACH credit, or ACH payment transaction
- Be enrolled in and agree to receive eStatements