Bank · FDIC insured
Heritage Bank of the Ozarks Savings Rates
Heritage Bank of the Ozarks’s best savings rate is 3.40% APY on $10,000, with its Premium Money Market. Rates checked October 16, 2026.
How Heritage Bank of the Ozarks’s savings rates compare
Compared with banks and credit unions near Lebanon, MO, where Heritage Bank of the Ozarks has the most branches. $10,000, best rate first.
This bank’s best
Heritage Bank of the Ozarks
3.40%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $340
Premium Money Market
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
3rd-highest rate
Mid-Missouri Bank
1.00%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $100
Heritage Bank of the Ozarks savings score
94
Savings score
Higher than 96% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0003.40%
- $100,000 balance$100,0003.40%
- QualifiedQualified3.40%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Heritage Bank of the Ozarks ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Premium Money Market
3.40%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $150,000 | 3.40% | $340 |
| $150,000 and up | 3.50% | — |
Sources (2)
All captured Sep 17, 2026
Neighbor Rewards Savings
0.75%APY
Links to free Neighbor Rewards Checking; opening and maintaining Neighbor Rewards Checking qualifies for Neighbor Rewards Savings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000No minimum balance to earn rewards. | 0.75% | $75 | No minimum balance to earn rewards. |
| Over $100,000Earns 0.249% interest rate on portion of balance over $100,000, resulting in 0.75% to 0.45% APY depending on balance in account. | 0.25% | — | Earns 0.249% interest rate on portion of balance over $100,000, resulting in 0.75% to 0.45% APY depending on balance in account. |
Sources (3)
- heritagebankozarks.com/personal/savings
- heritagebankozarks.com/personal/savings/neighbor-rewards
- heritagebankozarks.com/resources/tools/rates
All captured Sep 24, 2026
Money Market
0.20%APY
Waive $10 monthly maintenance fee with a minimum daily balance of $2,500.00 or an average collected balance of $7,500.00. Must maintain a minimum daily balance of $2,500.00 in account each day to earn disclosed APY.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Waive $10 monthly maintenance fee with a minimum daily balance of $2,500.00 or an average collected balance of $7,500.00. Must maintain a minimum daily balance of $2,500.00 in account each day to earn disclosed APY. | 0.15% | — | Waive $10 monthly maintenance fee with a minimum daily balance of $2,500.00 or an average collected balance of $7,500.00. Must maintain a minimum daily balance of $2,500.00 in account each day to earn disclosed APY. |
| $10,000 – $50,000Waive $10 monthly maintenance fee with a minimum daily balance of $2,500.00 or an average collected balance of $7,500.00. Must maintain a minimum daily balance of $2,500.00 in account each day to earn disclosed APY. | 0.20% | $20 | Waive $10 monthly maintenance fee with a minimum daily balance of $2,500.00 or an average collected balance of $7,500.00. Must maintain a minimum daily balance of $2,500.00 in account each day to earn disclosed APY. |
| $50,000 – $150,000Waive $10 monthly maintenance fee with a minimum daily balance of $2,500.00 or an average collected balance of $7,500.00. Must maintain a minimum daily balance of $2,500.00 in account each day to earn disclosed APY. | 0.35% | — | Waive $10 monthly maintenance fee with a minimum daily balance of $2,500.00 or an average collected balance of $7,500.00. Must maintain a minimum daily balance of $2,500.00 in account each day to earn disclosed APY. |
| $150,000 and upWaive $10 monthly maintenance fee with a minimum daily balance of $2,500.00 or an average collected balance of $7,500.00. Must maintain a minimum daily balance of $2,500.00 in account each day to earn disclosed APY. | 0.50% | — | Waive $10 monthly maintenance fee with a minimum daily balance of $2,500.00 or an average collected balance of $7,500.00. Must maintain a minimum daily balance of $2,500.00 in account each day to earn disclosed APY. |
Sources (3)
- heritagebankozarks.com/personal/savings
- heritagebankozarks.com/personal/savings/money-market
- heritagebankozarks.com/resources/tools/rates
All captured Sep 17, 2026
Regular Savings
0.15%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$6 monthly maintenance fee waived if you maintain $300 minimum balance.Any balance | 0.15% | $15 | $6 monthly maintenance fee waived if you maintain $300 minimum balance. |
Sources (3)
- heritagebankozarks.com/personal/savings
- heritagebankozarks.com/personal/savings/regular
- heritagebankozarks.com/resources/tools/rates
All captured Sep 24, 2026
Special-purpose accounts
Youth Savings
0.15%APY
Available for children up to age 18. A legal adult is required as a joint owner. Automatically rolls over to a Heritage Regular Savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly maintenance fee.Any balance | 0.15% | $15 | No monthly maintenance fee. |
Sources (3)
- heritagebankozarks.com/personal/savings
- heritagebankozarks.com/personal/savings/youth
- heritagebankozarks.com/resources/tools/rates
All captured Sep 24, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.