Personal Savings, HSA, IRA, & CDs

This is an interest savings account with a minimum balance of $200.

Regular Savings Account Features:

  • Earns an interst rate with any balance
  • No monthly fee if the $200 minimum balance is maintained
  • Free E-Statements available
  • Free Online Banking

What You Need to Apply:

  • $200 opening balance
  • Social Security Number
  • Driver’s License or State ID
  • Date of Birth
  • Current Address
  • Proof of Address (If current address does not match address on Driver’s License)
  • Current Phone Number

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This interest savings account gives you access to your money and earns a tiered market rate return with a minimum balance of $1,000.

Money Market Savings Account Features:

  • No monthly fee if the $1000 minimum balance is maintained
  • Tiered interest rates with higher balances earn higher interest
  • Free E-Statements available
  • Free Online Banking

What You Need to Apply:

  • $1000 opening balance
  • Social Security Number
  • Driver’s License or State ID
  • Date of Birth
  • Current Address
  • Proof of Address (If current address does not match address on Driver’s License)
  • Current Phone Number

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This account gives you access to your money and earns a special high rate return for balances greater than $100,000 with a minimum balance of $15,000.

Private Money Market Savings Account Features:

  • Earns a special high rate return for balances greater than $100,000 with a minimum balance of $15,000
  • No monthly fee if the $15,000 minimum balance is maintained
  • Free E-Statements available
  • Free Online Banking

What You Need to Apply:

  • $15,000 opening balance
  • Social Security Number
  • Driver’s License or State ID
  • Date of Birth
  • Current Address
  • Proof of Address (If current address does not match address on Driver’s License)
  • Current Phone Number

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HSAs are a tax preferred savings account for the purpose of paying or reimbursing medical expenses used in conjunction with a high deductible health insurance plan.

HSA Features:

  • No fees or minimum account balance!
  • Earns an interest market rate of return tiered for higher balances
  • Easy and convenient access to funds with a Debit Card
  • Available to businesses, employees and individuals
  • Employers may also combine an HSA program with our Payroll Accounts Services
  • Free E-Statements
  • Free Online Banking

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IRAs are an excellent way to save for your retirement with competitive interest rates and the security of maintaining your principal balance and interest.

IRA Features:

  • Funds are allowed to grow tax-free while remaining in the account
  • Money Market Savings with no minimum balance required
  • IRA CDs – 3 and 5 year term with a minimum opening balance of $5,000

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Youth to young adult account that can be opened anytime by 0-19 year old iwth parent or related/consenting adult and maintained until age 26 or converts to checking.

  • No monthly charge or minimum balance.
  • Special-tiered high interst rates.
  • Online banking with E-statements.
  • Free Log Bank gift per account opening.
  • Free College Savings Plan consultation for parents with American Heritage Wealth Management advisor.
  • Upon parental consent will receive free debit card and mobile banking app with remote deposit and payments.

This account is for people just getting started and requires a $50 opening and minimum balance.

Thrift Savings Features:

  • No monthly fee if the $50 minimum balance is maintained
  • Balances do not earn interest
  • Free E-Statements available
  • Free Online Banking

What You Need to Apply:

  • $50 opening balance
  • Social Security Number
  • Driver’s License or State ID
  • Date of Birth
  • Current Address
  • Proof of Address (If current address does not match address on Driver’s License)
  • Current Phone Number

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CDs are an excellent way to invest for your future needs and receive a competitive fixed rate of return.

CD Features:

  • Special CDs –  9 and 18 month term and preferred rates with a minimum opening deposit of $10,000
  • Regular CDs – 6 and 12 months available with minimum opening deposit of $1,000
    24, 36, 48 and 60 months available with minimum opening deposit of $5,000

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FDIC

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