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APEX Saver

Build your savings while earning high dividends!

Free APEX Saver is a simple way to save.

It links to your free APEX Cash or APEX Cash Back Checking!

Build your savings effortlessly every month! APEX Saver pays up to .75% APY* on your balance! That’s APEX at First Heritage — free accounts that reward you for keeping your money local. 


  • Free account that builds your savings effortlessly
  • .75% APY* on balances up to $50,000
  • .20% APY* on balances over $50,000 depending on balance in account*
  • .05% APY* if qualifications are not met on APEX Cash or APEX Cash Back
  • No monthly maintenance fee
  • No minimum balance to earn rewards
  • Free digital banking and bill pay
  • Free Visa® debit card
  • Free eStatements
  • Free mobile banking**
  • No minimum deposit to open

Here’s how easy it is to earn your rewards:

Qualifying for your APEX Cash or APEX Cash Back rewards automatically qualifies you for the highest APEX Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your APEX Cash or APEX Cash Back account during each Monthly Qualification Cycle:

  • At least 1 direct deposit or ACH or transaction or bill payment
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements

And if you don’t meet these qualifications, don’t worry — your accounts are still free.

Plus, you’ll still earn our base rate on APEX Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.


*APY = Annual Percentage Yield.  Rate may change after the account is opened. In order to earn dividends at the disclosed rate for APEX Cash, or to earn cash back on point of sale transactions using your Visa Debit Card for APEX Cash Back, and be reimbursed for domestic ATM fees incurred, during each monthly qualification cycle: (a) at least one automatic clearing house (ACH) transaction must post and settle to Your Account as evidenced by Your monthly statement; and (b) at least 12 point of sale transactions using Your Visa Check Card must post and settle to Your Account as evidenced by Your monthly statement; and (c) You must consent to receive Your periodic statements electronically. Each monthly qualification cycle will begin on the first day of the calendar month for a monthly statement cycle, and end on the last day of that same calendar month's statement cycle ("monthly qualification cycle").  Individual domestic ATM fees will be reimbursed at an amount equal to the actual fees incurred during a monthly qualification cycle (subject to a total reimbursement of $25.00 during any such monthly qualification cycle), except to the extent that ATM fees of $5.00 or more will not be reimbursed unless you present a copy of the original receipt that details the specific amount of the total charge. On the last day of each cycle (subject to Your meeting the qualifying criteria during the current qualification cycle), earned dividends and reimbursements will post to Your Account, as applicable. Each member may be the primary owner of one APEX Cash Checking or one APEX Cash Back Checking Account.