HEB Federal Credit Union Savings & Money Market Rates

How HEB Federal Credit Union’s savings rates compare

Compared with banks and credit unions near San Antonio, TX, where HEB Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
HEB Federal Credit Union
0.50%APY
Minimum
$1,500
Earns on $10,000 a year
$50
Money Market
Top rate
Nizari Credit Union
4.00%APY
Minimum
—
Earns on $10,000 a year
$400
Nizari Credit Union rates
2nd-highest rate
MidFirst Bank
4.00%APY
Minimum
—
Earns on $10,000 a year
$400
MidFirst Bank rates

Compare savings rates near you →

77

Savings score

Higher than 44% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.00%
$10,000 balance$10,0000.50%
$100,000 balance$100,0001.50%
QualifiedQualified0.50%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where HEB Federal Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Money Market Plus

Up to 2.50%APY$25,000 to open

With $25,000 or more to invest. Up to six payments from account each month; unlimited in-person withdrawals. Requires $25,000.00 each day to earn APY disclosed. $10.00 monthly service charge if average daily balance falls below $1,500.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$25,000 – $100,000Requires $25,000.00 each day to earn APY disclosed. Fee waived if average daily balance is at least $1,500.	1.50%	—	Requires $25,000.00 each day to earn APY disclosed. Fee waived if average daily balance is at least $1,500.
Over $100,000Requires $25,000.00 each day to earn APY disclosed. Fee waived if average daily balance is at least $1,500.	2.50%	—	Requires $25,000.00 each day to earn APY disclosed. Fee waived if average daily balance is at least $1,500.

Sources (3)

All captured Oct 16, 2026

Money Market

0.50%APY$1,500 to open

Open a Money Market Account with $1,500 or more. Constant access to funds — make up to six payments from the account each month; unlimited in-person withdrawals. If daily balance falls below disclosed minimum daily balance ($1,500.00), account earns Savings Account dividend rate and APY for that day. $10.00 monthly service charge if average daily balance falls below $1,500.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$1,500 – $10,000Requires $1,500.00 each day to earn APY disclosed. Fee waived if average daily balance is at least $1,500.	0.50%	$50	Requires $1,500.00 each day to earn APY disclosed. Fee waived if average daily balance is at least $1,500.
Over $10,000Requires $1,500.00 each day to earn APY disclosed. Fee waived if average daily balance is at least $1,500.	0.75%	—	Requires $1,500.00 each day to earn APY disclosed. Fee waived if average daily balance is at least $1,500.

Sources (3)

All captured Oct 16, 2026

Membership Savings (Savings Account)

0.05%APY$25 to open

Primary account and key to membership. Minimum balance of $25 par value. Quarterly Share Account Maintenance Fee of $10 applies if primary share ledger balance on last business day of quarter is less than $300, member has no other share/loan relationship, and is age 18+. Transaction limitation of max 4 withdrawals/transfers per month (excluding ATM).

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $1,000	0.00%	—
Over $1,000$1,000.00 each day to earn APY disclosed. Dividend rate of 0.05% on entire balance.	0.05%	$5	$1,000.00 each day to earn APY disclosed. Dividend rate of 0.05% on entire balance.

Sources (3)

All captured Oct 6, 2026

Sponsor Package Savings Account

0.05%APY$25 to open

Only available to current H-E-B employees with direct deposit of their payroll into their credit union account. Converted to Savings Account if employment terminates or payroll direct deposit is cancelled. Exempt from Share Account Maintenance Fee. Max 4 withdrawals/transfers per month (excluding ATM).

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $1,000	0.00%	—
Over $1,000$1,000.00 each day to earn APY disclosed. Dividend rate of 0.05% on entire balance.	0.05%	$5	$1,000.00 each day to earn APY disclosed. Dividend rate of 0.05% on entire balance.

Sources (1)

hebfcu.org/wp-content/uploads/2022/03/TISA.pdf · captured Oct 6, 2026

Special-purpose accounts

Variable IRA Share Account

4.12%APYIRA$50 to open

Available as Traditional IRA and Roth IRA. Rate may change on the first day of each calendar quarter and is based on the yield on 13-week U.S. Treasury Bills on the last day of the calendar quarter immediately preceding the change. Annual contribution limits apply ($7,000 under age 50, $8,000 age 50+ for 2024/2025). Balances may result in preferred loan rates or waived service charge on Classic Checking Account.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceVariable rate subject to quarterly change based on 13-week Treasury Bill yield. Opening balance as low as $50.Any balance	4.12%	$412	Variable rate subject to quarterly change based on 13-week Treasury Bill yield. Opening balance as low as $50.

Sources (3)

All captured Oct 6, 2026

H-E-Buddy Savers Club (Youth Savings Account)

0.05%APYKids and teens$25 to open

Designed for children age 12 and under. Converted to a Savings Account on the child's 13th birthday. Inactivity fee does not apply. Max 4 withdrawals/transfers per month (excluding ATM).

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $1,000	0.00%	—
Over $1,000Dividend rate of 0.05% on entire balance.	0.05%	$5	Dividend rate of 0.05% on entire balance.

Sources (2)

All captured Oct 6, 2026

Holiday and Vacation Savings Accounts

0.05%APYClub$5 to open

Within first 6 days after opening, withdrawals permitted without restriction or penalty. Thereafter, limited to one withdrawal per year for entire balance except $5.00 minimum balance. If closed for convenience or deemed closed, cannot be reopened for 3 months.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$25 and upRequires $25.00 each day to earn APY disclosed. Opening deposit of $5.00 each.$25 and up	0.05%	$5	Requires $25.00 each day to earn APY disclosed. Opening deposit of $5.00 each.

Sources (3)

All captured Oct 6, 2026

Who can join HEB Federal Credit Union

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

Visit institution website ↗Branches and institution details

How HEB Federal Credit Union’s savings rates compare

HEB Federal Credit Union savings score

Current savings rates

Money Market Plus

Money Market

Membership Savings (Savings Account)

Sponsor Package Savings Account

Special-purpose accounts

Variable IRA Share Account

H-E-Buddy Savers Club (Youth Savings Account)

Holiday and Vacation Savings Accounts

Who can join HEB Federal Credit Union