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Bank better — Open a Save More Checking account today.

image of woman opening Heritage Credit Union checking account

No monthly fees. Completely free online banking. Earn dividends.

Let go of high checking fees. Apply online in just a few minutes.

Or, visit your local Heritage branch.


A free checking account that helps you save more.

Earn 0.25% APY** with a checking account designed for high savings goals. Features include:

Plus, you'll get all the features of our Simply Free Checking account including: no monthly or maintenance fees, easy-to-use mobile and online banking, overdraft protection options, free debit card and 4 free non-Heritage ATM transactions per month.

Free online and mobile banking features include:

  • Pay a Friend
  • Debit On/Off
  • External Transfers
  • Bill Pay
  • Check Deposit
  • E-Statements
  • Alerts

Deposits are federally insured up to $250,000 by the National Credit Union Administration.


Save More Savings

Save More Checking members are immediately eligible for our high rate savings account, Save More Savings.

Earn 0.15% APY*** on balances up to $25,000 — no minimum balance required.

Get Started >


Personal Loan

24 Months, as low as 7.99% APR*

Auto Loan

24 Months, as low as 1.99% APR*