Savings & Checking

At Heritage South, we are here to help you achieve your financial dreams. We have savings products to fit any goal, from basic share savings to Christmas Club savings accounts to longer-term share certificates. When you save with your credit union, you can rest assured that your financial future is safe and secure. Your savings federally insured to at least $250,000 and backed by the full faith and credit of National Credit Union Administration, a U.S. Government Agency.

Compare our Accounts

Learn more about Savings and Checking accounts at Heritage South.

Savings Accounts

Our standard savings account (called a share account) is a great way to set aside money in savings. You can have multiple savings accounts to save for different goals, such as vacation savings, car savings, etc.

  • $5 minimum deposit
  • Quarterly dividends
  • Direct Deposit
  • Easily transfer money online, on our app, or in person
Visit a branch to open your share account

Checking Accounts

At Heritage South, We Help When Others Won't. That's why we offer a truly free checking account. You shouldn't have to jump through hoops or be charged fees just to use your own money.

  • No minimum deposits
  • No monthly fees
  • 30,000+ free ATMs nationwide
  • Mobile App with Mobile Deposit
  • Optional Overdraft Protection*
Visit a branch to open your checking account

Rally Checking Account

Our Rally Checking Accounts are a second-chance checking account for those who have mishandled checking accounts at other institutions in the past. Fees apply to this account.

  • Includes debit card
  • Overdraft protection may be available after 6 months
  • May convert to regular checking account after 1 year of satisfactory activity
Learn more about Rally Checking Accounts

*Overdraft protection is an optional service that you may choose to add to your account. Fees apply to this service. Check our fee schedule for current fees.

Share Certificates, Money Market Accounts, and More

Regardless of your saving goal, Heritage South has a deposit product to meet your needs. Our Gold Share Money Market Accounts offer a better yield than regular savings accounts, as well as access to your funds when you need them. Share Certificates are a great vehicle for saving for longer term goals when you don’t need the funds in the interim. We also have accounts for seniors, Christmas Club accounts, and more. Learn more about all available deposit accounts at Heritage South.