Borrowing against a Heritage Trust Savings account or Certificate is an inexpensive and convenient way to obtain cash when needed.

  • Immediate approval – no waiting or credit check

  • Continue earning on deposits

  • Interest rate is only a few percentage points above the earning rate on savings and certificate accounts

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*Loan amounts based on credit worthiness. Some restrictions may apply. For more information, visit a branch or call (843) 832-2600 | (800) 845-5550.
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Savings Loan
*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. Only debit card transactions processed by merchants and received by us as point-of-sale (POS) transactions count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $15,000 receive APY of 1.50%; and balances over $15,000 earn 0.15% dividend rate on the portion of balance over $15,000, resulting in a range from 0.15 to 0.33% APY depending on the account’s balance and (2) you will receive unlimited reimbursements up to ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within thirty (30) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher. When Kasasa Cash qualifications are not met, all balances in the account earn 0.05% APY and ATM fees are not refunded. Dividends and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of March 8, 2016. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. You must be enrolled in Electronic Statements as a condition of this account. Enrollment in electronic services (e.g. online banking) and log-ons may be required to meet some of the account’s qualifications. Limit one (1) account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our Member Service Representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Kasasa and Kasasa Cash are trademarks of BancVue, Ltd., registered in the U.S.A.