Credit union · NCUA insured
Heritage Community Credit Union Savings Rates
Heritage Community Credit Union’s best savings rate is 0.35% APY on $10,000, with its Diamond Select Money Market Accounts. Rates checked October 16, 2026.
How Heritage Community Credit Union’s savings rates compare
Compared with banks and credit unions near Sacramento, CA, where Heritage Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Heritage Community Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $400
Free Kasasa Saver
Top rate
SoFi Bank, National Association
4.40%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $440
2nd-highest rate
EverBank
4.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $420
Heritage Community Credit Union savings score
83
Savings score
Higher than 62% of U.S. banks and credit unions
- $1,000 balance$1,0000.35%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0000.65%
- QualifiedQualified4.00%
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 Heritage Community 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.
Free Kasasa Saver
Up to 4.00%APY
Links to free Kasasa Cash or Kasasa Cash Back checking account. Qualification requires enrollment in online banking with login at least once per Monthly Qualification Cycle and conducting at least 12 posted debit card transactions. Requires monthly enrollment in eStatements. No monthly maintenance fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000When qualifications on linked Kasasa Cash or Kasasa Cash Back account are met. | 4.00% | $400 | When qualifications on linked Kasasa Cash or Kasasa Cash Back account are met. |
| Any balanceApplies to all balances when qualifications are not met. | 0.01% | $1 | Applies to all balances when qualifications are not met. |
| $50,000 and upWhen qualifications on linked Kasasa Cash or Kasasa Cash Back account are met. Earns 0.10% dividend rate on portion over $50,000, resulting in an APY range from 4.00% to 1.40% depending on account balance. | 0.10% | — | When qualifications on linked Kasasa Cash or Kasasa Cash Back account are met. Earns 0.10% dividend rate on portion over $50,000, resulting in an APY range from 4.00% to 1.40% depending on account balance. |
Diamond Select Money Market Accounts
0.35%APY
Variable rate account; rates may change after account is opened. Fees may reduce earnings, and transaction limitations apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Tier 1 balance tier. | 0.35% | $35 | Tier 1 balance tier. |
| $25,000 – $50,000Tier 2 balance tier. | 0.45% | — | Tier 2 balance tier. |
| $50,000 – $100,000Tier 3 balance tier. | 0.55% | — | Tier 3 balance tier. |
| $100,000 – $200,000Tier 4 balance tier. | 0.65% | — | Tier 4 balance tier. |
| $200,000 – $1,000,000Tier 5 balance tier. | 0.70% | — | Tier 5 balance tier. |
| $1,000,000 and upTier 6 balance tier. | 0.70% | — | Tier 6 balance tier. |
Sources (2)
- heritageccu.com/accounts/perso…oney-market-account.html
- heritageccu.com/resources-tools/tools/rates.html
All captured Oct 6, 2026
Basic Savings Account
0.05%APY
Establishes membership with HCCU. Dividends compounded and paid monthly. Up to 6 free withdrawals per month; $3 fee for withdrawals in excess thereafter.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $200 and up | 0.05% | $5 |
Special-purpose accounts
IRA Savings
1.00%APY
Available in traditional and Roth. No annual fees or set up fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 1.00% | $100 |
IRA Diamond Select Money Market
0.35%APY
Variable rate account; rates may change after account is opened. Fees may reduce earnings, and transaction limitations apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Tier 1 balance tier. | 0.35% | $35 | Tier 1 balance tier. |
| $25,000 – $50,000Tier 2 balance tier. | 0.45% | — | Tier 2 balance tier. |
| $50,000 – $100,000Tier 3 balance tier. | 0.55% | — | Tier 3 balance tier. |
| $100,000 – $200,000Tier 4 balance tier. | 0.65% | — | Tier 4 balance tier. |
| $200,000 – $1,000,000Tier 5 balance tier. | 0.70% | — | Tier 5 balance tier. |
| $1,000,000 and upTier 6 balance tier. | 0.70% | — | Tier 6 balance tier. |
Sources (1)
- heritageccu.com/resources-tools/tools/rates.html · captured Oct 6, 2026
Holiday Club
0.05%APY
No minimum balance requirements. No monthly maintenance fees. Dividends compounded and credited monthly. Flexible maturity date chosen by member.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.05% | $5 |
Who can join Heritage Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Sacramento, Placer, El Dorado, Yolo, and San Joaquin Counties.
Employers and groups
- Membership is open to any California resident who is a member of the affiliated organization, the Financial Fitness Association (which can be selected during the online application process).
Membership information collected October 5, 2026.