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Savings accounts that keep on working for you.
Choose from a range of savings and money market accounts designed to help you reach your short- and long-term financial goals. These accounts offer tailored options to suit individual needs—and help you manage your cash conveniently, efficiently and effectively. We can also recommend a savings vehicle that's right for your circumstances.
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Heritage Oaks Bank Simple Savings
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Simply Amazing
Student Savings
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Personal Money
Market Account
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Simply Amazing CDs
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The practical, flexible solution for reaching your savings goals
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Savings for teens developing their savings potential.
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Competitive interest rates with easy access to savings
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A term savings option to help you realize your dreams.
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- No service charge for balances over $2501
- 3 free debits per quarter2
- Free ATM card
- Unlimited free deposits
- Free online banking
- Low opening deposit
- Any time account access
- Link to your checking account to avoid those occasional overdrafts3
- Access linked savings and checking with one ATM card
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- No monthly service charge
- 3 free withdrawals per quarter4
- Free ATM card with $100 daily allowance
- Unlimited free deposits
- Free online banking
- Low opening deposit
- Access your account any time online or by phone
- Higher ATM limit with an adult co-accountholder
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- Competitive interest rates
- Free with balances over $2,5005
- 6 free debits per month6
- Check imaging available
- Opening deposit of $1,000
- Your combined balance of $25,000 or better qualifies you for free Simply Amazing Premier Checking!
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- Competitive rates for short and long terms
- Principal available for withdrawal at maturity7
- Opening balances from $1,000 and up
- Flexible maturities available8
- All CDs earn compound interest on a 365-day basis
- Transfer interest earned to your HOB checking or savings account9
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| 1 | Below $250 quarterly balance, $6 per quarter. |
| 2 | Debits beyond three are $2 each. |
| 3 | Sweep withdrawals are subject to Federal Regulation D, which limits the number of transfers / withdrawals you make from your account to no more than 6 per statement period. |
| 4 | Withdrawals after three per quarter are 50 cents each. |
| 5 | Below $2,500 balance, $10 per month. Rates are subject to change daily and fees will reduce earnings. |
| 6 | Under Federal regulations related to these types of accounts, account holders are allowed up to six withdrawals or transfers (for example, using Heritage 24 Telephone Banking) from their account in any calendar month, with a maximum of three withdrawals by check or a merchant initiated account debit. Withdrawals after six are assessed a charge of $15 each. ATM withdrawals and deposits are not subject to these limits. |
| 7 | Withdrawals must occur during the 10-day grace period at maturity; otherwise CDs will auto renew for a term and at interest rates in effect at time of maturity. |
| 8 | Terms over one year are set up in monthly increments. |
| 9 | Transferring interest will reduce the compounded interest you earn on your CD, resulting in a lower annual percentage yield to you. |
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