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Open Qualifying Accounts
Choose Heritage High Yield Checking or Heritage Cash Back Checking and pair it with Heritage High Yield Savings.
Limited-Time Offer
Earn Up to
$300*
in Bonuses with Qualifying Checking + High Yield Savings
Choose an eligible HFCU checking account and pair it with Heritage High Yield Savings to take advantage of this limited-time offer.*
Explore Your Account OptionsMembership eligibility and account qualifications apply. See offer details below.
Checking + Savings
A combination that works harder
A simple combination
How You Could Earn Up to $300*
Open qualifying checking and High Yield Savings accounts, then meet the applicable offer requirements to earn promotional bonuses.*
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Get a $100 Bonus
A $100 bonus will be deposited within 30 business days after account opening, subject to the promotional terms.*
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Earn an Additional $200
An additional $200 bonus will be deposited after 60 business days if all applicable account qualifications are met and the accounts remain open and in good standing.*
Up to $300*
in total promotional bonuses, subject to eligibility and account requirements.
Choose one qualifying checking account
Choose the Checking Account that Works for You
Whether you prefer earning interest on your balance or cash back on everyday purchases, HFCU has options to explore.
Earn Interest
Heritage High Yield Checking
Up to 5.00% APY *
Put your checking balance to work with interest on qualifying balances.
- Earn interest when account qualifications are met
- No monthly maintenance fee
- $25 minimum opening deposit
Get Cash Back
Heritage Cash Back Checking
5% Cash Back *
Get rewarded for qualifying everyday debit card purchases.
- Earn cash back on qualifying debit card purchases
- Up to $25 per month in cash back when qualified
- No monthly maintenance fee
Choose one qualifying checking account and pair it with Heritage High Yield Savings.
The savings side of the combination
Pair Your Checking With High Yield Savings
Up to 2.25% APY *
Give your savings room to grow with Heritage High Yield Savings. Pair it with either qualifying HFCU checking option to participate in the limited-time bonus offer.*
- Earn dividends on qualifying savings balances
- No monthly maintenance fee
- No minimum opening deposit
The credit union difference
More Value. Fewer Fees.
Explore everyday financial services from a member-owned credit union.
No Monthly Maintenance Fees
Explore qualifying checking and savings options without monthly maintenance fees.
Convenient Digital Banking
Manage your accounts with convenient online and mobile banking tools.
Member-Owned
Experience a financial institution built around serving its members.
Limited-time opportunity
Ready to Earn Up to $300 * ?
Choose qualifying checking, pair it with Heritage High Yield Savings, and explore the limited-time bonus opportunity.
*Membership eligibility, account qualifications, and promotional terms apply.Please review
Important Offer Details
Promotional Disclosure
Offer begins November 1, 2026. Membership eligibility required. New members, and current members who do not have an HFCU checking or savings account, may earn up to $300 by opening either Heritage High Yield Checking with Heritage High Yield Savings or Heritage Cash Back Checking with Heritage High Yield Savings. A minimum deposit of $25 is required to open Heritage High Yield Checking. A $100 bonus will be deposited within 30 days after account opening; an additional $200 bonus will be deposited after 60 days if all applicable account qualification requirements are met and the accounts remain open and in good standing. Other terms and conditions may apply. The credit union reserves the right to cancel the promotion at any time. Federally insured by NCUA.
PRODUCT TERMS
Account Disclosures
Product-specific terms are listed below.
Heritage High Yield Checking**
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, credit card purchases, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.
REWARD INFORMATION
When your Heritage High Yield Checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 in your Heritage High Yield Checking account earn a dividend rate of 4.89% resulting in an APY of 5.00%; and daily balances over $25,000 earn a dividend rate of 0.25% on the portion of the daily balance over $25,000, resulting in a blended APY range from 1.20% to 5.00% APY depending on the account’s daily balance.
When your Heritage High Yield Checking qualifications are not met, the dividend rate earned on the account’s entire daily balance will be 0.05% resulting in an annual percentage yield of 0.05%.
Dividends will be credited to your Heritage High Yield Checking account on the last day of the current statement cycle.
APY = Annual Percentage Yield. APYs accurate as of 2/9/2026. APY calculations for the blended APY range are based on an assumed balance of $25,000 + $100,000 in your Heritage High Yield Checking account and an assumed statement cycle of thirty-one (31) days.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
ADDITIONAL INFORMATION
$25.00 minimum deposit is required to open the account. Monthly Direct Deposit/ACH credit, and enrollment in eStatements are conditions of these accounts.
ATM surcharge refunds are available up to $4 per transaction and do not cover any internal or institution-assessed ATM fees. HFCU will cover institutional and internal ATM fees for the first four transactions each month.
Heritage Cash Back Checking***
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, credit card purchases, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.
REWARD INFORMATION
When Heritage Cash Back Checking qualifications are met during a Monthly Qualification Cycle, you will receive 5.00% cash back on up to a total of $500 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $25.00 cash back payments may be earned per Monthly Qualification Cycle.
You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Heritage Cash Back Checking account during that Monthly Qualification Cycle. We reimburse ATM surcharge fees up to $4 per transaction based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.
NOTE: ATM surcharge reimbursements up to $4 per transaction only apply to Heritage High Yield Checking and Heritage Cash Back Checking transactions via ATM; Heritage High Yield Savings ATM transaction fees are not reimbursed nor refunded.
When your Heritage Cash Back Checking account qualifications are not met, no cash back payments are made and ATM surcharge fees are not refunded.
Cash back payments and nationwide ATM surcharge fee reimbursements will be credited to your Heritage Cash Back Checking account on the last day of the current statement cycle.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed.
ADDITIONAL INFORMATION
No minimum deposit is required to open the account. Monthly Direct Deposit/ACH credit, and enrollment in eStatements are conditions of these accounts.
ATM surcharge refunds are available up to $4 per transaction and do not cover any internal or institution-assessed ATM fees. HFCU will cover institutional and internal ATM fees for the first four transactions each month.
Heritage High Yield Savings****
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, credit card purchases, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.
REWARD INFORMATION
Heritage High Yield Savings dividend rate on balances up to and including $150,000 is 2.23%, resulting in 2.25% APY. Balances over $150,000 earn a dividend rate of 0.25%, resulting in a blended APY range of 2.25% to 1.45% depending on balance in account. Blended APY calculation is based on an assumed total account balance of $250,000, when qualifications are met. When Heritage Cash Back Checking qualifications are not met, the interest rate earned on the entire balance in the Heritage High Yield Savings account will be .05% resulting in an APY of .05%.
Dividends will be credited to your linked Heritage High Yield Savings account on the last day of the current statement cycle.
APY = Annual Percentage Yield. APYs accurate as of 2/9/2026. APY calculations are based on an assumed balance of $150,000 + $100,000 in your Heritage High Yield Savings account and an assumed statement cycle of thirty-one (31) days.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
ADDITIONAL INFORMATION
No minimum deposit is required to open the Heritage High Yield Savings account. Monthly Direct Deposit/ACH credit, and enrollment in eStatements are conditions of these accounts.
A Heritage High Yield Savings account is only able to be opened if a member has a Heritage High Yield or Cash Back Checking account.
Shared Definitions & Account Requirements
MONTHLY QUALIFICATION CYCLE
A period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Contact one of our branch service representatives for specific Monthly Qualification Cycle dates.
BANKING DAY
Any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions or for processing.
BUSINESS DAY
A calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, June 19, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, June 19, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day.
STATEMENT CYCLE
The period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. Contact one of our branch service representatives for specific Statement Cycle dates.
REQUIREMENTS APPLICABLE TO ALL THREE ACCOUNTS
Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account’s qualifications. Limit of one account per member (SSN).
There are no recurring monthly maintenance charges or fees to open or close these accounts. These accounts are not to be used for commercial purposes. If an account is closed, you will forfeit any rewards that have not been credited to your account.
Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Federally insured by NCUA.