LOGINSave more. Earn more. And still have access to your money.
Our money market accounts combine the features of a savings and checking account. Write a limited number of checks every month, and earn higher rates than a standard savings account. It’s 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
|
Money Market |
High Yield Money Market |
|
|---|---|---|
|
Perfect for... |
An emergency fund or saving for a major purchase |
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: 0.15% $50,000 - $99,999: 0.20% $100,000 & greater: 0.25% |
$100 - $74,999: 0.05% $75,000 - $124,999: 0.35% $125,000 - $199,999: 0.45% $200,000 - $249,999: 0.55% $250,000 & greater: 0.65% |
|
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.