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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.

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 Accounts table
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
Dividend payment Weekly Monthly
Variable APY*

$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.

7 Year ARM Mortgage

2.875% Rate, View all mortgage rates >

Auto Loan

24 Months, as low as 1.99% APR*