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When you're just starting out, defining your financial goals can be difficult, just like reaching them. Defining your goals can be a process and they may change over time. We want to help you begin your financial journey, set goals and achieve them, whatever they may be. Check out some of our solutions below that are just right for those just starting out.

Traditional Checking

  • May be opened with an initial deposit of any amount
  • No limit to the number of checks that may be written per month and there are no charges per check written
  • Free imaged checks option with CheckManager Plus
  • Other service charges may apply
  • Contact a Personal Banker for more details

Transaction limitations; You may not make any transfers from this account to another account of yours or to  third parties by preauthorized, automatic, or telephone transfer or similar order to third parties

Statement Savings Account

  • Minimum Daily Balance requirement of only $100 to avoid a $1.00 service fee per statement cycle1
  • Interest is compounded quarterly and paid quarterly
  • Statements conveniently combined with your monthly checking statement OR sent quarterly
  • Transfer fund as needed to your checking account with Telebank or FREE online banking

1$1.00 maintenance fee will be imposed every quarter if the daily balance falls below $100.00 any day of the quarter. 

We use the daily balance method to calculate interest on your account. Interest will be compounded Quarterly and paid to your account Quarterly.

Transfers from a Statement Savings account to another account or to third parties by preauthorized, automatic, telephone or computer transfer are limited to six per month with no transfers by check, draft, debit card or similar order to third parties. An excessive transaction fee of $10.00 will be charged for each transaction in excess of the mentioned limitations.
 

Passbook Savings Account

  • You receive a personalized passbook where all of your transactions are recorded at the time of deposit or withdrawal
  • Interest is compounded and paid quarterly
  • Minimum Daily Balance requirement of only $100 to avoid a $1.00 service fee per statement cycle

Heritage Money Market Account

Our Heritage Money Market Account combines liquidity and convenience in a tiered variable-rate, interest-bearing account with limited check-writing privileges.

Features & Benefits

  • Minimum Daily Balance of only $5,000.00 to avoid a $15.00 monthly service fee
  • Unlimited deposits and up to six preauthorized debits at no charge
  • Unlimited withdrawals when made in person or by ATM, mail or messenger at the bank
  • FREE Online Banking and Telebank

An interest bearing account which uses the daily balance method to calculate interest. Interest will be compounded and credited to your account monthly.

Transfers from a Heritage Money Market account to another account or to third parties by preauthorized, automatic, telephone or computer transfer are limited to six per month. Unlimited in-person withdrawals are allowed on this account. An excessive transaction fee of $10.00 will be charged for each transaction in excess of the previously mentioned limitations.

Fixed Rate Certificates of Deposit

We regularly offer a wide range of fixed-rate certificates of deposit, including the following terms

  • 3 Months
  • 4-6 Months
  • 7-12 Months
  • 13-18 Months
  • 19-24 Months
  • 25-30 Months
  • 31-36 Months
  • 37-48 Months
  • 49-60 Months

Minimum balance to open a fixed-rate certificate of deposit is $1,000.

An interest bearing account which uses the daily balance method to calculate interest. Interest will be compounded and credited to your account monthly.

Transaction limitations; You may not make any transfers from this account to another account of yours or to  third parties by preauthorized, automatic, or telephone transfer or similar order to third parties

Interest rates vary depending on the term of the CD. Interest is calcualted using the daily balance method. You may not make deposits into the account until the maturity date. Subject to early withdrawal penalties.  See CD for our renewal policy and your options on how interest is calculated and paid.

Overdraft Protection

 

  • Allows you to cover the unexpected opportunity or the occasional overdraft
  • Flexible line amounts
  • Competitive interest rate

For more information, please call (630) 323-4404 to speak with a personal banker.   

 

 

 

Auto Loans

Products & Programs

  • Flexible terms
  • Quick turnaround
  • Competitive rates
  • New or used vehicles
  • Loan to value up to up to 80%

Please call (630) 323-4404 and talk to one of our friendly Personal Bankers for more information.