LOGINSave more. Earn more. And still have access to your money.
A money market account offers a competitive rate, but doesn’t lock up your funds for a specified term. Save for retirement or a major purchase, or park money you plan to invest at a later date.
Deposits are federally insured up to $250,000 by the National Credit Union Administration.
Free online and mobile banking, including:
- Transfers to other Heritage accounts or Heritage members
- E-Statements
- Alerts
| Save More Money Market | High Yield Money Market | |
|---|---|---|
| Perfect for… | An emergency fund or to save for a major purchase or mortgage down payment. | Saving for larger purchases or to hold money you plan to invest at a later date. |
| Minimum balance/ deposit to open | $500 | $75,000 |
| Minimum balance to earn dividends | $2,000 | $100 |
| Dividend payment | Weekly | Monthly |
| Variable APY* |
$2,000 - $9,999: 0.05% $10,000 - $24,999: 0.10% $25,000 - $49,999: 0.10% $50,000 - $99,999: 0.20% $100,000 & greater: 0.20% |
100 - $74,999: 0.02% $75,000 - $124,999: 0.30% $125,000 - $199,999: 0.30% $200,000 - $249,999: 0.30% $250,000 & greater: 0.30% |
| Free checks | Yes | No (check writing not permitted) |
| Withdrawal Restrictions | No minimum withdrawal amount (subject to Regulation D restrictions) | No minimum withdrawal amount (subject to Regulation D restrictions) |
Fees could reduce earnings on the account.