Regular Savings

This is where you can start building.

• Pays as high as 1.00%* annual percentage yield.
• Low $5 minimum balance (that's your ownership in the credit union).
• Direct Deposit available.

Money Market Checking

If you need to "park" some money where you can still access it on occasion, a money market checking account may be the answer.

• Pays higher dividends than a regular checking or savings account.
• Minimum balance to open and to earn interest on money market checking is $1,000.
• Dividends increase for balances of $10,000 and $25,000.
• Make up to six withdrawals per month, by check, ATM, or Telephone Banking by Phone.
• No monthly service charge.
• No cost for checks.

Prime Performance Savings

For our serious savers, the Prime Performance Savings Account provides four different tiers. The more you save, the more you earn.

• Premium rates.
• Maximum flexibility with no locked in time commitment.

Now, more than ever, your money can stay liquid while you relax and earn a great rate.

Christmas Club Accounts

If you "dash through the dough" before Christmas arrives, you need a Christmas Club account. You'll have a stash of cash built up, just in time for holiday shopping.

• No minimum weekly deposit.
• No troublesome coupon books.
• Deposit the amount you want to save over-the-counter, through the mail or through payroll deduction.
• In October, your funds transfer directly to your checking or savings.

Other Clubs are available for vacation, to pay household bills, or for insurance. You can use a club account to save for just about anything.

Wedding Registry Account

This could be the beginning of a beautiful relationship…Introducing The Wedding Registry, the start of something good.  Planning your dream wedding or saving for your honeymoon? Or, do you want to save your guests some time in searching for the perfect wedding gifts? Simply open a Heritage Federal Credit Union Wedding Registry account and your family and friends can make gift contributions to your account online, in-branch or by mail. Then when you need the money for your wedding costs or that perfect honeymoon, you can conveniently access your funds anytime.

• No minimum opening deposit*
• Dividends are earned the same as other club accounts (at $100+) at a tiered rate, the same as share accounts
• Deposits over-the-counter, through the mail or online
• Money can be withdrawn at anytime
• The bride and groom can be listed on the “official” Heritage Federal Credit Union Wedding Registry at www.hfcu.info
• Wedding Registry cards will be provided in order to announce your Wedding Registry account with the credit union to your family and friends
• A unique identifying Wedding Registry tacking number will be provided to easily manage your donations for your guests

*If the member does not have a primary share, they must open an account with a minimum $5 deposit.

Kirby Kangaroo Club Savings for Kids

All kids age 12 and under can join the Kirby Kangaroo Club®. Kirby Kangaroo helps kids learn to save money, by making saving fun.

• Participate in great activities and giveaways
• Receive quarterly statements with a Pocket Savings Newsletter
• Earn a competitive rate of interest and have fun saving money

Graduate Planning Account (GPA)

With the high cost of raising children today, how in the world do you begin saving for tomorrow? With a GPA college accumulation account.

• Variable rate savings account
• Open with any amount
• Deposit as much as you want, as often as you want
• Earn the same annual percentage yield as a one-year share certificate

(There is no fee for a GPA account, but there is a 6-month interest penalty for early withdrawal. The account must be open for three years before any withdrawals may be made, unless the funds are used toward qualified educational purposes. APY may change after account is open.)

Click here to use the College Planning Calculator.

Coverdell Educational Savings

• Withdraw funds and earnings tax and penalty-free if used for qualified education expenses.
• Include expenses such as tuition, fees, books, supplies, equipment, and in some cases room and board, and computers.
• Use for qualified elementary and high school expenses at most public, private and parochial schools.