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Our prize-linked savings account automatically enters you into monthly and quarterly cash prize drawings, as a reward for building your savings.º

Plus, you'll be entered to win an annual drawing of $5,000. The Saver's Sweepstakes account offers:

  • A chance for individuals of all ages to win cash prizes each month and quarter, plus an annual drawing of $5,000 on October 15
  • No monthly or maintenance fees
  • Safety of NCUA's federal share insurance up to $250,000

Or, visit your local Heritage branch.

Table of details about our Saver's Sweepstakes Account
  Saver's Sweepstakes Account Details
Minimum Balance None
Dividend Rate 0.10% APY*
Deposit Limits None
Sweepstakes Entries An automatic entry is awarded for each $25 deposit increment each month (maximum of 6 entries or $150). Participants are eligible to win once per drawing (monthly, quarterly, annual). Each entry has the same chance of winning. Prize pool is based on the number and size of all credit unions participating in the program.
Account Renewal/Grace Period

The account will renew at the end of each 12-month period. During the entire anniversary month, any of the following are allowed penalty-free:

  • Withdraw/transfer funds
  • Close account
  • Keep funds in account for another 12 months

Any balance remaining at the end of the 12-month period will be treated as a new deposit for eligibility into the next round of drawings.

Withdrawal Limits/Fees Withdrawals are not allowed outside of the grace period each year. At any other time there is a $10 fee for the first and second withdrawal from the account. At time of the third withdrawal the account will be closed.°
Account Closure Limits Members cannot open another Saver’s Sweepstakes account for 90 days after closing the account.

Ready to open your new Saver's Sweepstakes account?

ºAll rates and prize amounts listed are accurate as of April 18, 2021 and can change at any time. See account disclosures for all account details, fees and account closure information.

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