High Yield. Higher Goals.
Build savings effortlessly when you pair this savings account with Heritage High Yield or Heritage Cash Back Checking.
Spend, Save & Get Rewarded
Save money and earn high dividends on your balance and have even more to show for your savings when you like this account to Heritage High Yield or Heritage Cash Back. Every time you qualify for your High Yield or Cash Back rewards, you’ll qualify to earn the higher rate.*
| Product Details | – Free account that builds your savings effortlessly – Must link to a free Heritage High Yield Checking or Heritage Cash Back Checking – Heritage High Yield Checking or Heritage Cash Back Checking earnings can be transferred to your Heritage High Yield Savings – 2.25% APY* on balances as much as $150,000 – 2.25% to 1.45 blended APY* range on balances over $150,000 depending on balance in account* – 0.05% APY* on all balances if qualifications are not met in Heritage High Yield Checking or Heritage Cash Back Checking – No monthly maintenance fee – No minimum balance to earn rewards – No minimum deposit to open |
| Qualifications to Earn Rewards | Qualifying for your Heritage High Yield Checking or Heritage Cash Back Checking rewards automatically qualifies you for the highest Heritage High Yield Savings rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Heritage High Yield Checking or Heritage Cash Back Checking account during each Monthly Qualification Cycle: – At least 12 debit card purchases – At least 1direct 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 accounts are still free. Plus, you’ll still earn our base rate on Heritage High Yield Savings. 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 Savings 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, 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:
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%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.
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:
Membership restrictions may apply.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
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.
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 Savings account is only able to be opened if a member has a Heritage High Yield or Cash Back Checking 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