Savings


Now Available — Money Market Account
Minimum balance to open $2,500.  If Avg. daily balance falls below $2,500, no interest is paid and a $6 monthly service fee will be assessed.  No minimum withdrawal amount.  Limited to 6 withdrawals per month, 3 of which may be by cash, check, or ATM/Debit card.  Easily accessible by cash, checks, ATM/Debit card, or ACH transactions.

Rates Dividend Rate APY
Balance $2,500 – $24,999.99 0.10% 0.10%
Balance $25,000 – $100,000.00 0.15% 0.15%

(APY) Annual Percentage Yield.

Note: Above rates and terms are effective June 2016 and are subject to availability. Rates, terms, and availability are subject to change at any time. Rates are variable and may adjust. Fees could reduce earnings on account. Dividends are paid monthly.

Share Certificate Deposits
Improve the dividends you recieve on your share account.  Open a Share Certificate  Deposits.  Minimum deposit $1,000.  Dividends Paid Monthly.

Term Deposit Amount Dividend Rate APY*
12 Months Less than $25,000 0.50% 0.50%
$25,000 and over 0.50% 0.50%
$80,000 and over 0.50% 0.50%
24 Months Less than $25,000 0.75% 0.75%
$25,000 and over 0.75% 0.75%
$80,000 and over 0.75% 0.75%
36 Months Less than $25,000 1.00% 1.01%
$25,000 and over 1.00% 1.01%
$80,000 and over 1.00% 1.01%
60 Months Less than $25,000 1.50% 1.51%
$25,000 and over 1.50% 1.51%
$80,000 and over 1.50% 1.51%


APY – Annual Percentage Yield

*APY assumes principal and earned dividends
remain on deposit for 12 months or unitl maturity.

Penalty for Early Withdrawal
90 days interest on 12 month certificates.
180 days interest on 24, 36 & 60 month certificates.

Note:  Above rates and terms are effective March 23, 2012 and are subject to availability.  Rates, terms, and availability are subject to change at any time.

Open your Christmas Club account with $5.00 and add as much, as often as you like. Interest is accrued on a balance of $25.00 or more.

Get an early start on next year! You can have your Christmas shopping money by Mid-November.
Checks will automatically be sent out. Payroll deduction and direct deposit are available.
If you are not a credit union member yet, now is the perfect time to join and begin saving for the holidays!  Contact us , we can send you an application today!
*Subject to a $35.00 penalty fee for withdraw prior to club maturity date. Deadline to enroll is March 31, 2012.
Need a break from the grueling 40 hour work week? Let Heritage Credit Union help you save for the perfect get-away with a Vacation Club Account. It works just like our Christmas Club Accout. Put aside a few dollars from each paycheck and let the money grow with dividends from Heritage Credit Union. Before you know it, your funds will be available when you need a get-away – right-away!

Now Available

  • Open a Vacation Club Account with $5.00.
  • Interest is accrued on a balance of $25.00 or more.
  • Dividends will be paid at maturity on the first Friday of May 2013.
  • Deposits accepted via payroll deduction, automatic drafting, by mail or over the counter at one of our branches.

Come by or Contact Us for more details.

*Subject to a $35.00 penalty for early withdrawal prior to club maturity date and will result in account closure.  Deadline to enroll is January 31, 2013.

Kids Accounts

Parents, children are our greatest asset.

We can help them build confidence in their financial future by having their very own share savings account. By encouraging regular savings at your credit union, both teenagers and younger children can come to understand the basics of building sound money management habits. In demonstrating the power of savings, we help kids reach their goals.

Click here to see more information.