Save 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
|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|
$2,000 - $9,999: 0.25%
$10,000 - $24,999: 0.25%
$25,000 - $49,999: 1.00%
$50,000 - $99,999: 1.00%
$100,000 & greater: 1.11%
100 - $74,999: 0.25%
$75,000 - $124,999: 1.00%
$125,000 - $199,999: 1.11%
$200,000 - $249,999: 1.11%
$250,000 & greater: 1.11%
|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)|
All Annual Percentage Yields (APY), rates and offers are accurate as of April 1, 2022 and can change or end at any time. Comparison calculated based on the difference between the percent earned in interest between our rate at 0.85% APY compared to the previous Heritage rate of 0.20% APY for deposits over $100,000 in the Save More Money Market. Credit union membership required. Fees could reduce earnings on the account.