LOGINSave more. Earn more. And still have access to your money.
A money market is the perfect account for your emergency fund, to save for a major purchase or to park money you plan to invest later.
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 specific goal. | Earning higher rates on larger balances for retirement or other future goals. |
| 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: 0.50% $125,000 - $199,999: 0.50% $200,000 - $249,999: 0.50% $250,000 & greater: 0.50% |
| Free checks | Yes | No (check writing not permitted) |
| Withdrawal Restrictions | Yes, $1,000 minimum withdrawal (subject to Regulation D restrictions) | Yes, $1,000 minimum withdrawal and limit of 3 per month |
Fees could reduce earnings on the account.