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: 0.05%
$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.