Save 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.

Or see money market rates >

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.

7 Year ARM Mortgage

3.250% Rate, View all mortgage rates >

Auto Loan

24 Months, as low as 1.99% APR*