Deposit Rates | Heritage Family Credit Union

Deposit Rates

Table data for Share Savings Rates
Effective 05-09-2025
Account Type ¹	APY ²	Rate ³
Share Savings Account	.25%	.25%

Special Purpose Savings Accounts (Holiday, Vacation, Fuel, Tax, etc.)	.25%	.25%

Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

Table data for Share Draft Checking Account Rates
Effective 05-09-2025
Account Type ⁴	APY ²	Rate ³
Basic Checking Account	.00%	.00%

Premier Checking Account	.05%	.05%

Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

Table data for Health Savings Account (HSA) Rates
Effective 05-09-2025
Balance Requirement	APY ²	Rate ³
$0 - $4,999.99	.20%	.20%

$5,000 & Up	.40%	.40%

Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

Table data for Individual Retirement Account (IRA) Shares/Payroll Rates
Effective 05-09-2025
Account Type	APY ²	Rate ³
IRA Shares/Payroll	.25%	.25%

Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

Table data for IRA Term Share Certificates
Term ⁵	APY ²	Rate ⁶
3 Month	3.25%	3.20%

6 Month	3.00%	2.96%

12 Month	3.50%	3.45%

18 Month	3.00%	2.96%

24 Month	2.80%	2.76%

36 Month	2.65%	2.62%

Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

Table data for Term Share Certificate Rates
Effective 05-09-2025
Term ⁵	APY ²	Rate ⁶
3 Month	3.25%	3.20%

6 Month	3.00%	2.96%

12 Month	3.50%	3.45%

18 Month	3.00%	2.96%

24 Month	2.80%	2.76%

36 Month	2.65%	2.62%

Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

Truth-in-Savings Disclosure - Term Share Certificates

Table data for Premier Term Share Certificate Rates
Effective 05-09-2025
Term ⁵	APY ²	Rate ⁷
12 Month	4.00%	3.93%

18 Month	3.50%	3.45%

24 Month	3.30%	3.25%

36 Month	3.15%	3.11%

Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

Table data for Money Market Share Accounts
Effective 05-09-2025
Balance Requirement ⁵	APY ²	Rate ³
$1,000 - $19,999.99	1.30%	1.29%

$20,000 - $34,999.99	1.55%	1.54%

$35,000 - $49,999.99	1.70%	1.69%

$50,000 & Up	2.00%	1.98%

Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

truth-in-savings all disclosures

Rates

Disclosures

¹ For share accounts, account limitations may apply.

² APY = Annual Percentage Yield.

³ All rates subject to change without notice. For all accounts, the Credit Union may limit all cash withdrawals to $2,000.00 per day.

⁴ For share draft accounts, no limitations apply.

⁵ The minimum starting deposit for all Term Share Certificates and Money Market Share Accounts is $1,000.

⁶ All rates subject to change without notice. For all Term Share Certificates, after your account is opened, you may make withdrawals subject to the early withdrawal penalty outlined in the disclosure. For all accounts, the Credit Union may limit all cash withdrawals to $2,000.00 per day.

⁷ All rates to change without notice. For all Term Share Certificates, after your account is opened, you may make withdrawals subject to the early withdrawal penalty outlined in the disclosure. For all accounts, the Credit Union may limit all cash withdrawals to $2,000.00 per day. Members must be Premier Checking Members in order to open Premier Term Share Certificates.