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Spoofing scams are on the rise, so stay alert for messages that seem to be from businesses you know, including Heritage Family Credit Union. They might ask you to click a link or contact a phone number in order to dispute a payment, verify a transaction, or confirm some portion of your debit or credit card number. If you receive such a request that you think may be suspicious, do not respond and feel free to visit your local branch or call us at 888.252.8932.

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Deposit Rates

Table data for Share Savings Rates
 Effective 05-30-2025
Account Type 1 APY 2 Rate 3 Alert Me
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 05-30-2025
Account Type 4 APY 2 Rate 3 Alert Me
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 05-30-2025
Balance Requirement APY 2 Rate 3 Alert Me
$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 05-30-2025
Account Type APY 2 Rate 3 Alert Me
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 Alert Me
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 05-30-2025
Term 5 APY 2 Rate 6 Alert Me
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 05-30-2025
Term 5 APY 2 Rate 7 Alert Me
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 05-30-2025
Balance Requirement 5 APY 2 Rate 3 Alert Me
$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

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.