Better Deposits. Better Rewards. Built for YOU.
Earn more on your everyday balances while enjoying rewards designed to support your lifestyle and financial goals
Spend, Save & Get Rewarded
Our mission is to deliver financial solutions that are transparent, rewarding, and designed with your success in mind. With high interest and cash back accounts and meaningful rewards, you’re not just opening an account, you’re joining a financial partner that puts members first.
Heritage High Yield Checking
Give your balance a boost with high dividends every month you qualify.*
- Free checking
- 5.00% APY* on balances as much as $25,000
- 5.00% to 1.20% blended APY* on balances over $25,000 depending on balance in account*
- 0.05% APY* on all balances if qualifications aren’t met
- No minimum balance to earn rewards
- No monthly maintenance fee
- $25 minimum deposit to open
Heritage Cash Back Checking
Get cash back on debit card purchases when you qualify.*
- Free checking that pays you back
- Get 5.00% cash back on debit card purchases^
- Cash back earned on as much as $500 in purchases monthly*
- No category restrictions on purchases
- Earn as much as $300 cash back per year, $25 per month
- No minimum to open
Heritage High Yield Savings
Save effortlessly when you pair this account with a Cash Back or High Yield Checking!
- 2.25% APY* on balances as much as $150,000
- 2.25% to 1.45 APY on balances over $150,000 depending on balance in account*
- 0.05% APY* on all balances if qualifications are not met in High Yield or Cash Back Checking
- No monthly maintenance fee
- No minimum balance to earn rewards
- No minimum deposit to open
| CHECKING COMPARISON | EARN HIGH INTEREST | EARN CASH BACK |
| Account | HERITAGE HIGH YIELD CHECKING OPEN IN MINUTES Learn More | HERITAGE CASH BACK CHECKING OPEN IN MINUTES Learn More |
| Features | – Free checking that pays high interest – 5.00% APY* on balances as much as $25,000 – 5.00% to 1.20% blended APY* on balances over $25,000 depending on balance in account* – 0.05% APY* on all balances if qualifications aren’t met | – Free checking that pays you back – Get 5.00% cash back on debit card purchases^ – Cash back earned on as much as $500 in purchases monthly – Earn as much as $300 cash back per year, $25 per month^ |
| Monthly Service Fee | $0 | $0 |
| ATM Access | ATM surcharges? Always on us.* HFCU ATM fees? Covered 4× per month | ATM surcharges? Always on us.* HFCU ATM fees? Covered 4× per month |
| Free Online & Mobile Banking Access | Yes | Yes |
| Free Debit Card* | Yes | Yes |
| Minimum Opening Deposit | $25 | $0 |
Member Benefits Through Benefits Plus®
Use a checking or savings account with HFCU and unlock access to our Member Benefit Program!
Members enjoy exclusive perks designed to add value, savings, and convenience to everyday banking. This premium membership recognizes loyalty with enhanced benefits and special privileges for only $5 per month. Below are just a few of the many benefits available to you!
| Ultimate ID® Plus Program | $1Million Identity Theft Insurance, Driver’s License, Social Security, 3-Bureau Daily Credit, Dark Web Monitoring and more! |
| Full-Service Concierge Travel Suite | Guaranteed Lowest Pricing & 3% – 5% Cash Back |
| TicketXpress™ Entertainment Suite | Discounted Tickets for Movies, Sports, Concerts, Theme Parks, Theaters & more! |
| Cellular Care Coverage | Up to $600 |
| Health & Wellness: | 24/7 Telemedicine Doctor, Pharmacy, Vision Care and Alert1 & more! |
| Family Benefits: | Discounted 24-Hour Road Service, Discounted Pet Health Insurance, College Care Packages and more! |
Account Disclosures
View our Statement and Monthly Qualification Cycle Information.
*Account Disclosures
Qualification Information:
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.
“Monthly Qualification Cycle” means 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” means 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” means 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” means 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.
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 a non-compounding 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 non-compounding blended APY range from 1.20%% to 5.00%% APY depending on the account’s daily balance. Blended APY calculation is based on an assumed total account balance of $125,000, when qualifications are met.
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.
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 High Yield 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%When your Heritage High Yield Checking qualifications are not met, the dividend rate earned on the account’s entire daily balance will be 0.25% resulting in a non-compounding annual percentage yield of 0.05%. In addition, the entire daily balance in the Heritage High Yield Savings account earns a dividend rate of .05% resulting in an annual percentage yield of .05%.
Dividends will be credited to your Heritage High Yield Checking and Heritage High Yield Savings accounts on the last day of the current statement cycle.
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.
When your Heritage Cash Back Checking account qualifications are not met, no cash back payments are made and ATM withdrawal/surcharge fees are not refunded. Your Heritage High Yield Savings account earns a dividend rate of .05% resulting in an annual percentage yield of .05% APY.
Dividends from your Heritage Cash Back Checking account will be credited to your linked Heritage High Yield Savings account on the last day of the current statement cycle.
* Note: When linked to a Heritage High Yield Savings account, the dividends earned within the Heritage High Yield Checking account do not compound since it, along with any nationwide ATM surcharge fee reimbursements up to $4 per transaction are automatically transferred to the Heritage High Yield Savings account within one day. This automatic transfer may cause an overdraft to your Heritage High Yield Checking account, if the account balance is less than the transferred amount when the transfer occurs.
APY = Annual Percentage Yield.
APYs accurate as of 2/9/2026.
APY calculations are based on an assumed balance of $25,000 + $100,000 in your Heritage High Yield Checking account and $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:
Membership restrictions may apply.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
$25.00 minimum deposit is required to open the Heritage High Yield Checking account.
No minimum deposit is required to open the Heritage Cash Back Checking account.
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.
Heritage High Yield & Cash Back Checking: 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.
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 this account.
This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.
A Heritage High Yield Checking account is required to have a Heritage High Yield Savings 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