Save and make life a little easier with the help of Heritage Financial Credit Union

Whether you’re saving for a walk down the aisle or a trip to faraway shore, Heritage Financial Credit Union is here to get you where you want to be. To explore your investment opportunities with HFCU, visit us at your nearest branch location, which can be found here.

Which type of account are you looking for?

Savings Account

IRA Share Savings Account

Money Market

ProductAnnual Percentage Yield (APY)1Balance to Earn Minimum APYMinimum to Open AccountDividend Rate4
Share Savings0.03%$500$0.010.03%
Super Saver - Tier 10.10%$25,000$25,0000.05%
Super Saver - Tier 20.10%$50,000$50,0000.05%
Super Saver - Tier 30.14%$100,000$100,0000.08%
Super Saver - Tier 40.16%$200,000$200,0000.12%

Savings Accounts Disclosure

1Any Annual Percentage Yield (APY) provided in this disclosure assumes dividends will remain on deposit for at least one year for accounts with terms. Rates are effective as of 9/21/2021 and are subject to change at any time without notice. You may contact the Credit Union at (845) 561-5607 for current rate information. Fees, withdrawals, or other conditions could reduce earnings on any account. Rates may chance after account opening. Rates are determined at the discretion of the Board of Directors of the Credit Union. Dividends are paid from current income and available earnings. All accounts are subject to the applicable terms and conditions set forth in the Membership Agreement & Disclosures, the Fee Schedule, and any agreement to which the Truth in Savings Disclosure and Membership Agreement references.

4Dividends are compounded quarterly and credited quarterly.

Savings Accounts FAQ

How do I open a Savings Account?

To open a Savings Account with HFCU, visit us at your nearest branch location, or get started with one of our jumpstart forms.

What types of Savings Accounts do you offer?

HFCU offers a variety of savings accounts to best fit your needs. Please refer to the Savings Accounts table for more information.

What is the Annual Percentage Yield (APY) for a Savings Account?

The Annual Percentage Yield for a Savings Account varies depending on the level of the account, ranging from 0.01% to 0.15%.

What is the balance to earn minimum APY for a Savings Account?

The minimum balance to earn APY varies depending on the level of the account, ranging from $500 to $200,000 depending on the tier. Please refer to the Savings Accounts table for more information.

What is the minimum amount of money I need to open a Savings Account?

The minimum amount of money needed to open a Savings Account is $0.01. Please refer to the Savings Accounts table for more information.

What is the dividend rate for a Savings Account?

The dividend rate ranges from 0.01% to 0.15% depending on the type of Savings Account. Please refer to the Savings Accounts table for more information.

Protect your future with an IRA

Save for the long-term. Whether you’re looking for a Traditional IRA to defer taxes until you’re retired, or the benefit of a Roth IRA for a tax-deferred return on investment. We have the solution to fit your needs. As long as you are under 70 ½ and earning income, you can establish and contribute to an IRA. You can even use the money for education needs through a Coverdell Education Savings Account. Your contributions are automatic when you use payroll deduction.

Get Started

ProductAnnual Percentage Yield (APY)*Balance to Earn Minimum APYMinimum to Open AccountDividend Rate
IRA Savings10.10%$500.00$0.010.10%

IRA Share Savings Account Disclosure

*Any Annual Percentage Yield (APY) provided in this disclosure assumes dividends will remain on deposit for at least one year for accounts with terms. Rates are effective as of 9/21/2021 and are subject to change at any time without notice. You may contact the Credit Union at (845) 561-5607 for current rate information. Fees, withdrawals, or other conditions could reduce earnings on any account. Rates may chance after account opening. Rates are determined at the discretion of the Board of Directors of the Credit Union. Dividends are paid from current income and available earnings. All accounts are subject to the applicable terms and conditions set forth in the Membership Agreement & Disclosures, the Fee Schedule, and any agreement to which the Truth in Savings Disclosure and Membership Agreement references.

1 No early withdrawals are allowed on any IRA account or the member will be charged a penalty.

IRA Share Savings Account FAQ

How do I open an IRA Share Savings Account?

To open an IRA Share Savings Account with HFCU, visit us at your nearest branch location, or get started with one of our jumpstart forms.

What is the Annual Percentage Yield (APY) for an IRA Share Savings Account?

The Annual Percentage Yield for an IRA Share Savings Account changes with the market. To see the current rate, please visit our rates page.

What is the balance to earn minimum APY for an IRA Share Savings Account?

The minimum balance to earn APY is $500. Please refer to the IRA Share Savings Account table for more information.

What is the minimum amount of money I need to open an IRA Share Savings Account?

The minimum amount of money needed to open an IRA Share Savings account is $0.01. Please refer to the IRA Share Savings Account table for more information.

What is the dividend rate for an IRA Share Savings Account?

The dividend rate for an IRA Share Savings Account changes with the current market. Please refer to the IRA Share Savings Account table for more information or the current rate we offer.

Enjoy the convenience of a money market account

All the convenience of a savings or checking account, with higher yields. Your funds are always available and you earn more in dividends.

Get Started

ProductAnnual Percentage Yield (APY)1Balance to Earn Minimum APYMinimum to Open AccountDividend Rate5
Money Market - Tier 10.10%$2,500$2,5000.05%
Money Market - Tier 20.10%$20,000$20,0000.05%
Money Market - Tier 30.10%$50,000$50,0000.05%
Money Market - Tier 40.14%$100,000$100,0000.08%
Money Market - Tier 50.16%$200,000$200,0000.12%

Money Market Accounts Disclosure

1Any Annual Percentage Yield (APY) provided in this disclosure assumes dividends will remain on deposit for at least one year for accounts with terms. Rates are effective as of 9/21/2021 and are subject to change at any time without notice. You may contact the Credit Union at (845) 561-5607 for current rate information. Fees, withdrawals, or other conditions could reduce earnings on any account. Rates may chance after account opening. Rates are determined at the discretion of the Board of Directors of the Credit Union. Dividends are paid from current income and available earnings. All accounts are subject to the applicable terms and conditions set forth in the Membership Agreement & Disclosures, the Fee Schedule, and any agreement to which the Truth in Savings Disclosure and Membership Agreement references.

5Dividends are compounded monthly and credited monthly.