More Interest. Free Checking.
Give your balance a boost with high dividends every month you qualify.*
Heritage High Yield Checking
Heritage High Yield Checking is a free checking account designed to reward you with competitive dividends. With no unnecessary fees and built-in ATM surcharge fee refunds, nationwide*, you can bank confidently and keep more of what you earn.
| Product Details | – Free checking that pays high dividends – 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 – ATM surcharges? Always on us.* HFCU ATM fees? Covered 4× per month – Link to free Heritage High Yield Savings – No minimum balance to earn rewards – No monthly maintenance fee – $25 minimum deposit to open |
| Qualifications to Earn Rewards | Enrollments must be in place and all of the following transactions and activities must post and settle to your Heritage High Yield Checking account during each Monthly Qualification Cycle: – At least 12 debit card purchases – At least 1 direct deposit or ACH credit transaction – Be enrolled in and agree to receive e-Statements |
And if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.
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! |
Heritage High Yield Checking 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 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:
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 account.
Monthly Direct Deposit/ACH credit, and enrollment in eStatements are conditions of these accounts.
Heritage High Yield 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(s) 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.
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