Bank · FDIC insured
Heritage Community Bank Savings Rates
Heritage Community Bank’s best savings rate is 0.20% APY on $10,000, with its HERITAGE Savings Accounts. Rates checked October 16, 2026.
How Heritage Community Bank’s savings rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Heritage Community Bank has the most branches. $10,000, best rate first.
This bank’s best
Heritage Community Bank
0.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $20
HERITAGE Savings Accounts
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
Citizens Bank
4.50%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $450
Heritage Community Bank savings score
69
Savings score
Higher than 25% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.40%
- QualifiedQualified0.20%
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 Community Bank 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.
HERITAGE Money Market Accounts
0.15%APY
Minimum opening balance of $1,000.00. A service charge of $10.00 is imposed every statement cycle if the average daily balance falls below $1,000.00. Interest is calculated on the average daily balance and paid monthly. Restricted to 6 transactions per month. First box of checks free (limited styles).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000A monthly service charge of $10.00 applies if the average daily balance falls below $1,000.00. Interest calculated on average daily balance and paid monthly. Restricted to 6 transactions per month. | 0.15% | $15 | A monthly service charge of $10.00 applies if the average daily balance falls below $1,000.00. Interest calculated on average daily balance and paid monthly. Restricted to 6 transactions per month. |
| $10,000 – $20,000A monthly service charge of $10.00 applies if the average daily balance falls below $1,000.00. Interest calculated on average daily balance and paid monthly. Restricted to 6 transactions per month. | 0.15% | — | A monthly service charge of $10.00 applies if the average daily balance falls below $1,000.00. Interest calculated on average daily balance and paid monthly. Restricted to 6 transactions per month. |
| $20,000 – $50,000A monthly service charge of $10.00 applies if the average daily balance falls below $1,000.00. Interest calculated on average daily balance and paid monthly. Restricted to 6 transactions per month. | 0.20% | — | A monthly service charge of $10.00 applies if the average daily balance falls below $1,000.00. Interest calculated on average daily balance and paid monthly. Restricted to 6 transactions per month. |
| Over $50,000A monthly service charge of $10.00 applies if the average daily balance falls below $1,000.00. Interest calculated on average daily balance and paid monthly. Restricted to 6 transactions per month. | 0.40% | — | A monthly service charge of $10.00 applies if the average daily balance falls below $1,000.00. Interest calculated on average daily balance and paid monthly. Restricted to 6 transactions per month. |
HERITAGE Savings Accounts
0.20%APY
Interest compounds daily and is paid quarterly, calculated on the average daily balance. Dormant account fee of $5.00 per statement cycle applies if account is inactive for 365 days with balance of $200.00 or less.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.15% | — |
| $5,000 – $20,000 | 0.20% | $20 |
| Over $20,000 | 0.25% | — |
Special-purpose accounts
Health Savings Account
0.90%APY
Must have a high deductible health plan. No monthly service charge when you have a relationship at Heritage Community Bank. Variable Annual Percentage Yield; rates subject to change at any time.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable Annual Percentage YieldAny balance | 0.90% | $90 | Variable Annual Percentage Yield |
HERITAGE Individual Retirement Accounts
0.50%APY
Offered as Traditional and Roth IRA Savings Accounts. No monthly service charge. Rate applies to All Types.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
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.