Bank · FDIC insured
Wisdom Heritage Bank Savings Rates
Wisdom Heritage Bank’s best savings rate is 1.31% APY on $10,000, with its Savings Account. Rates checked October 15, 2026.
How Wisdom Heritage Bank’s savings rates compare
Compared with banks and credit unions near Enid, OK, where Wisdom Heritage Bank has the most branches. $10,000, best rate first.
This bank’s best
Wisdom Heritage Bank
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $20
- Earns on $10,000 a year
- $200
Free Heritage Saver
Top rate
Communication Federal Credit Union
3.75%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $375
3rd-highest rate
City National Bank
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $200
Wisdom Heritage Bank savings score
88
Savings score
Higher than 85% of U.S. banks and credit unions
- $1,000 balance$1,0001.31%
- $10,000 balance$10,0001.31%
- $100,000 balance$100,0003.56%
- QualifiedQualified2.00%
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 Wisdom 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.
Wisdom Elite
1.01%APY
Tiered-rate account based on average daily balance. Rates may change after account opening. Transaction fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $15,000Applies to average daily balance <$15,000. Rates may change after account opening. Transaction fees may reduce earnings. | 1.01% | $101 | Applies to average daily balance <$15,000. Rates may change after account opening. Transaction fees may reduce earnings. |
| $15,000 – $24,999Applies to average daily balance $15,000-$24,999. Rates may change after account opening. Transaction fees may reduce earnings. | 1.92% | — | Applies to average daily balance $15,000-$24,999. Rates may change after account opening. Transaction fees may reduce earnings. |
| $25,000 – $49,999Applies to average daily balance $25,000-$49,999. Rates may change after account opening. Transaction fees may reduce earnings. | 2.69% | — | Applies to average daily balance $25,000-$49,999. Rates may change after account opening. Transaction fees may reduce earnings. |
| $50,000 – $99,999Applies to average daily balance $50,000-$99,999. Rates may change after account opening. Transaction fees may reduce earnings. | 3.15% | — | Applies to average daily balance $50,000-$99,999. Rates may change after account opening. Transaction fees may reduce earnings. |
| $100,000 and upApplies to average daily balance >$100,000. Rates may change after account opening. Transaction fees may reduce earnings. | 3.56% | — | Applies to average daily balance >$100,000. Rates may change after account opening. Transaction fees may reduce earnings. |
Sources (1)
- wisdomheritage.bank/bank/rates.html · captured Sep 18, 2026
Savings Account
1.31%APY
Requires 2 forms of ID to open (one picture ID). Interest compounded and credited quarterly. 6 free withdrawals per quarter; $1 fee per withdrawal thereafter. Accrued interest forfeited if closed before end of quarter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded and credited quarterly. Rate may change at any time.Any balance | 1.31% | $131 | Compounded and credited quarterly. Rate may change at any time. |
Sources (2)
All captured Oct 5, 2026
Free Heritage Saver
0.00%APY on $10,000
Must be paired with a Free Heritage Cash Checking or Free Heritage Cash Back Checking account. Limit of 1 account per SSN. Qualifying for linked checking rewards automatically qualifies for highest Heritage Saver rate. Automatic transfer of checking earnings.
| Part of the balance | Rate on that part |
|---|---|
| Over $100,000 | 1.00% |
On $10,000 the tiers blend to about 0.00% APY, earning $0 a year.
Sources (3)
- wisdomheritage.bank/bank/personal-savings
- wisdomheritage.bank/bank/perso…free-heritage-saver.html
- wisdomheritage.bank/bank/rates.html
All captured Oct 5, 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.