Southwest Heritage Bank Savings & Money Market Rates

How Southwest Heritage Bank’s savings rates compare

Compared with banks and credit unions near Tucson, AZ, where Southwest Heritage Bank has the most branches. $10,000, best rate first.

This bank’s best
Southwest Heritage Bank
0.50%APY
Requires
Monthly account activity
Minimum
$100
Earns on $10,000 a year
$50
Kasasa® Saver
Top rate
Vantage West Credit Union
4.00%APY
Requires
Another account
Minimum
$10,000
Earns on $10,000 a year
$400
Vantage West Credit Union rates
2nd-highest rate
WaFd Bank
3.82%APY
Requires
None
Minimum
$0
Earns on $10,000 a year
$382
WaFd Bank rates

Compare savings rates near you →

73

Savings score

Higher than 35% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.20%
$10,000 balance$10,0000.20%
$100,000 balance$100,0002.15%
QualifiedQualified0.50%

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.

How the score works →

Where Southwest Heritage 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.

Personal PremiumPlus Money Market

Up to 0.50%APY$100,000 to open

$100,000 minimum to open. $1,000 average daily balance to avoid a monthly service fee. Starts to earn interest with a $1,000 balance.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $1,000Below $1,000 earns no interest. $1,000 average daily balance to avoid a monthly service fee.	0.00%	—	Below $1,000 earns no interest. $1,000 average daily balance to avoid a monthly service fee.
$1,000 – $50,000Applicable for Arizona schedule. $1,000 average daily balance to avoid a monthly service fee.	0.50%	$50	Applicable for Arizona schedule. $1,000 average daily balance to avoid a monthly service fee.
$1,000 – $50,000Applicable for New Mexico schedule. $1,000 average daily balance to avoid a monthly service fee.	0.02%	$2	Applicable for New Mexico schedule. $1,000 average daily balance to avoid a monthly service fee.
$50,000 – $100,000Applicable for Arizona schedule. $1,000 average daily balance to avoid a monthly service fee.	1.01%	—	Applicable for Arizona schedule. $1,000 average daily balance to avoid a monthly service fee.
$50,000 – $100,000Applicable for New Mexico schedule. $1,000 average daily balance to avoid a monthly service fee.	0.50%	—	Applicable for New Mexico schedule. $1,000 average daily balance to avoid a monthly service fee.
$100,000 – $250,000Applicable for Arizona schedule. $1,000 average daily balance to avoid a monthly service fee.	2.15%	—	Applicable for Arizona schedule. $1,000 average daily balance to avoid a monthly service fee.
$100,000 – $250,000Applicable for New Mexico schedule. $1,000 average daily balance to avoid a monthly service fee.	1.75%	—	Applicable for New Mexico schedule. $1,000 average daily balance to avoid a monthly service fee.
$250,000 – $3,000,000Applicable for Arizona schedule. $1,000 average daily balance to avoid a monthly service fee.	2.80%	—	Applicable for Arizona schedule. $1,000 average daily balance to avoid a monthly service fee.
$250,000 – $3,000,000Applicable for New Mexico schedule. $1,000 average daily balance to avoid a monthly service fee.	2.15%	—	Applicable for New Mexico schedule. $1,000 average daily balance to avoid a monthly service fee.
$3,000,000 and upApplicable for Arizona schedule. $1,000 average daily balance to avoid a monthly service fee.	3.75%	—	Applicable for Arizona schedule. $1,000 average daily balance to avoid a monthly service fee.
$3,000,000 and upApplicable for New Mexico schedule. $1,000 average daily balance to avoid a monthly service fee.	2.90%	—	Applicable for New Mexico schedule. $1,000 average daily balance to avoid a monthly service fee.

Sources (3)

All captured Oct 15, 2026

Personal Premium Money Market

0.05%APY$1,000 to open

$1,000 minimum to open. $1,000 average daily balance to avoid a monthly service fee. Starts to earn interest with a $1,000 balance.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $1,000Below $1,000 earns no interest. $1,000 average daily balance to avoid a monthly service fee.	0.00%	—	Below $1,000 earns no interest. $1,000 average daily balance to avoid a monthly service fee.
$1,000 – $50,000$1,000 average daily balance to avoid a monthly service fee.	0.05%	$5	$1,000 average daily balance to avoid a monthly service fee.
$50,000 – $100,000$1,000 average daily balance to avoid a monthly service fee.	0.05%	—	$1,000 average daily balance to avoid a monthly service fee.
$100,000 – $250,000$1,000 average daily balance to avoid a monthly service fee.	0.75%	—	$1,000 average daily balance to avoid a monthly service fee.
$250,000 and up$1,000 average daily balance to avoid a monthly service fee.	1.01%	—	$1,000 average daily balance to avoid a monthly service fee.

Sources (3)

All captured Oct 15, 2026

Kasasa® Saver

Up to 0.50%APYRequirements apply$100 to open

Three qualifiers required for premium rate: at least 1 automatic ACH payment or ACH direct deposit post and clear per qualification cycle, at least 12 debit card transactions post and clear per qualification cycle, and enroll and receive electronic statements. Earns base rate of 0.20% APY on all balances if qualifications are not met.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $50,000Qualifying rate tier for balances up to $50,000 when all 3 qualifiers are met.	0.50%	$50	Qualifying rate tier for balances up to $50,000 when all 3 qualifiers are met.
Any balanceBase rate on all balances if qualification requirements are not met.	0.20%	$20	Base rate on all balances if qualification requirements are not met.
Over $50,000Blended APY range of 0.50%-0.20% on balances $50,000.01 and above when all 3 qualifiers are met.	0.20%	—	Blended APY range of 0.50%-0.20% on balances $50,000.01 and above when all 3 qualifiers are met.

Sources (4)

All captured Sep 16, 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.

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