Heritage Trust offers members several savings account options and the right combination of benefits to help members meet their savings goals.  Savings accounts are protected through Excess Share Insurance (ESI) up to $500,000 – the highest level of combined federal/private savings insurance available!

Please note that savings rates are subject to change. For current savings rates, view the official Rate and Fee Schedule.

Open a savings account today! Visit any of our convenient branch locations or call (843) 832-2600 | (800) 845-5550.

Primary Savings Account

Our Primary or basic savings account, is a simple and convenient way to start saving money.

  • To open a Primary savings account, you must be 14 years of age or older, credit union membership must be established, and a
    minimum balance of $5 is required.
  • The account is a dividend bearing account. Certain fees may apply.
  • Upon opening a Primary account, you will receive an instant-issue ATM card and free Online and Mobile banking.

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Extra Savings Account

The Extra savings account is an option for members who want to save money in an account separate from a Primary savings account.

  • Use this account to save for a special event, new house, vacation or a new car.
  • No minimum balance is required and the account earns the same dividend rate as the Primary savings account.

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Custodial Savings Account

The Heritage Trust Custodial account is a great way to save for a child’s financial future.

  • The account is designed for members under the age of 18 and there is a maximum of one custodian, or responsible manager, of a minor’s account.
  • A minimum balance of $25 is required to open the account.
  • With a Custodial account, a minor can make deposits and cash checks but can not withdraw money.
  • When a minor turns 18, the account is placed on hold until new membership is submitted.

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Money Market Accounts

Money Market Accounts offer members the opportunity to earn maximum dividends on higher balances than standard savings accounts. Competitive rates and dividends are compounded and paid monthly and members have the option to make withdrawals without the same fees and penalties that are incurred with certificates.

Regular Money Market Account

  • Easy access to your funds with check-writing privileges (Reg D transaction limits apply)
  • Manage the account through Online Banking or VoiceLine
  • $1,500 minimum balance to earn dividends

Premium Money Market Account

  • Higher dividend yield than the Regular Money Market Account
  • Easy access to your funds with check-writing privileges (Reg D transaction limits apply)
  • Manage the account through Online Banking or VoiceLine
  • $50,000 minimum balance to earn dividends

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Christmas Club Account

The Christmas Club savings account is similar to the Extra savings account, but helps members prepare for the holidays by encouraging savings each month throughout the year.

  • Payroll deduction or automatic transfers make it even easier to reach savings goals.
  • All funds transfer to Primary savings accounts on October 31 each year.
  • Payroll deduction automatically resumes after this date unless otherwise specified.

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Heritage Trust Individual Retirement Accounts (IRAs) help members accrue retirement savings while offering financial peace of mind.

  • An IRA allows members to earn a competitive dividend rate and provides the opportunity to receive certain tax advantages.
  • Traditional and Roth IRA savings accounts are available.
  • IRA certificates for both short- and long-term retirement planning are available.

There are several ways to make both current and prior year contributions to a Heritage Trust IRA. We can also assist in the simple process of transferring or rolling an existing IRA from another institution over to a Heritage Trust IRA.

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Certificates offer flexible guaranteed investment opportunities.

  • Heritage Trust offers 16 different certificates, with terms from 3 to 60 months.
  • Promotional certificates are also offered periodically.
  • Choose the maturity, from 3 months to 5 years, with a minimum balance of $250.

Visit any branch location or call our local Contact Center at (843) 832-2600 for details and to get started!

Truth-In-Savings Disclosure – Share Certificates 

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.


Additional coverage up to $250,000 provided by Excess Share Insurance Corporation, a licensed insurance company.