Bank · FDIC insured
Heritage Federal Savings Savings Rates
Heritage Federal Savings’s best savings rate is 0.01% APY, with its Great Rate Saver, with extra requirements. Rates checked October 15, 2026.
How Heritage Federal Savings’s savings rates compare
Compared with banks and credit unions in Tennessee, where Heritage Federal Savings has the most branches. $10,000, best rate first.
This bank’s best
Heritage Federal Savings
0.01%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $1
Great Rate Saver
Top rate
Knoxville TVA Employees Credit Union
4.28%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $428
2nd-highest rate
Peoples Bank
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $1
- Earns on $10,000 a year
- $400
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Great Rate Saver
2.00%APY on $10,000
Companion savings account linked to Great Rate Checking. Limit 1 account per social security number. No recurring monthly service charges or fees to open or close this account; $4.00 fee for paper statements, waived with eStatements. After 3 withdrawals or transfers per calendar quarter, $2.00 fee per additional withdrawal assessed at calendar quarter end.
| Part of the balance | Rate on that part |
|---|---|
| Up to $50,000 | 2.00% |
| Over $50,000 | 0.25% |
On $10,000 the tiers blend to about 2.00% APY, earning $200 a year.
Sources (2)
All captured Oct 15, 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.