Credit union · NCUA insured
HEFCU Savings Rates
Top CarrotHEFCU’s best savings rate is 0.15% APY on $10,000, with its Primary Savings. Rates checked October 22, 2026.
How HEFCU’s savings rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where HEFCU has the most branches. $10,000, best rate first.
This credit union’s best
HEFCU
3.04%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $304
Wellness Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Comenity Capital Bank
4.05%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $405
HEFCU savings score
93
Savings score
Higher than 95% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0003.20%
- $100,000 balance$100,0003.04%
- QualifiedQualified3.20%
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.
Where HEFCU 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.
Healthy Savings
Up to 4.07%APY
Blended rate structure. Monthly fee may apply without enrollment in e-statements and direct deposit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $15,000 – $25,000 | 4.07% | — |
| $25,000 – $50,000 | 4.07% | — |
| $50,000 – $100,000 | 3.04% | — |
| $100,000 – $250,000 | 1.01% | — |
| $250,000 and up | 1.01% | — |
Money Market Account
3.20%APY on $10,000
Split-rate, tiered account; balances within each tier earn a separate interest rate. Monthly maintenance fee may apply if minimum daily balance is not maintained.
| Part of the balance | Rate on that part |
|---|---|
| $1,000 – $5,000 | 3.50% |
| $5,000 – $50,000 | 3.50% |
| $50,000 – $100,000 | 2.50% |
| Over $100,000 | 1.00% |
On $10,000 the tiers blend to about 3.20% APY, earning $320 a year.
Sources (1)
- hefcu.com/rates · captured Oct 4, 2026
Wellness Savings
3.04%APY
Blended rate structure. Monthly fee may apply without enrollment in e-statements and direct deposit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5,000 – $10,000 | 3.04% | $304 |
| $10,000 – $25,000 | 2.02% | — |
| $25,000 – $250,000 | 1.51% | — |
| $250,000 and up | 1.01% | — |
Primary Savings
0.15%APY
Blended rate structure. Establishes HEFCU membership. No monthly fees on accounts maintaining a minimum balance of $100.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $5,000 | 0.01% | — |
| $5,000 and up | 0.15% | $15 |
Special-purpose accounts
HEFCU IRA Savings Account
1.51%APY
Split-rate tiered account where dividends are paid based on portions of balance falling within specified tiers. Initial deposit of $100 required to open.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 – $500 | 1.01% | — |
| $500 – $5,000 | 1.26% | — |
| $5,000 – $20,000 | 1.51% | $151 |
| $20,000 and up | 1.76% | — |
Healthy Investors Account
0.15%APY
For teens ages 13-17. eStatements required. Split-rate tiered account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $5,000 | 0.01% | — |
| $5,000 and up | 0.15% | $15 |
Holiday Club
0.15%APY
Savings automatically roll into Primary Savings on October 1; account remains open. Early withdrawal fee applies. Split-rate tiered account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $500 | 0.01% | — |
| $500 and up | 0.15% | $15 |
Vacation Club
0.15%APY
Savings automatically roll into Primary Savings on May 1; account remains open. Early withdrawal fee applies. Split-rate tiered account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $500 | 0.01% | — |
| $500 and up | 0.15% | $15 |
Young Einstein Account
0.15%APY
For children ages 12 and under. eStatements required. Split-rate tiered account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $5,000 | 0.01% | — |
| $5,000 and up | 0.15% | $15 |
Who can join HEFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligibility is open to employees whose employer offers HEFCU as a free employee benefit.
- Personal Members of the New Jersey Hospital Association (NJHA) are eligible for membership upon approval by NJHA and remittance of a one-time, $15 non-refundable dues payment to NJHA.
Family and household
- Spouses, significant others, children, parents, siblings, grandparents, or individuals living in the same household of an eligible person are eligible to join, whether that person becomes a member or not.
Cost to join
- A one-time, $15 non-refundable membership dues payment made payable to NJHA is required for those joining via NJHA Personal Membership.
- An initial deposit of at least $5 into a Primary Savings account is required to establish HEFCU membership.
Membership information collected October 5, 2026.