Credit union · NCUA insured
Heritage Credit Union Savings Rates
Heritage Credit Union’s best savings rate is 0.20% APY on $10,000, with its Money Market Checking. Rates checked October 15, 2026.
How Heritage Credit Union’s savings rates compare
Compared with banks and credit unions near Evansville, IN, where Heritage Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Heritage Credit Union
0.75%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $75
Rewards Savings
Top rate
Crane Credit Union
1.51%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $151
2nd-highest rate
Indiana Members Credit Union
1.21%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $121
Heritage Credit Union savings score
73
Savings score
Higher than 33% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.75%
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 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 Checking
Up to 0.20%APY
Rates are variable and may change after accounts are open. Dividend period is monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upRates are variable and subject to change. | 0.15% | $15 | Rates are variable and subject to change. |
| $10,000 and upRates are variable and subject to change. | 0.20% | $20 | Rates are variable and subject to change. |
| $25,000 and upRates are variable and subject to change. | 0.25% | — | Rates are variable and subject to change. |
| $50,000 and upRates are variable and subject to change. | 0.25% | — | Rates are variable and subject to change. |
| $100,000 and upRates are variable and subject to change. | 0.25% | — | Rates are variable and subject to change. |
| $250,000 and upRates are variable and subject to change. | 0.75% | — | Rates are variable and subject to change. |
| $325,000 and upRates are variable and subject to change. | 1.25% | — | Rates are variable and subject to change. |
| $500,000 and upRates are variable and subject to change. | 1.75% | — | Rates are variable and subject to change. |
| $750,000 and upRates are variable and subject to change. | 2.25% | — | Rates are variable and subject to change. |
Sources (1)
- heritagefederal.org/personal-b…eposit-rates/share-rates · captured Sep 18, 2026
Prime Performance Savings
Up to 0.10%APY
Monthly dividend period. Rates are variable and may change after account opening. Rate tiers based on account balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
| $10,000 and up | 0.10% | $10 |
| $25,000 and up | 0.15% | — |
| $50,000 and up | 0.20% | — |
| $100,000 and up | 0.25% | — |
| $200,000 and up | 0.30% | — |
| $250,000 and up | 0.75% | — |
| $325,000 and up | 1.25% | — |
| $500,000 and up | 1.75% | — |
| $750,000 and up | 2.25% | — |
Sources (2)
- heritagefederal.org/personal-b…ccounts/savings-accounts
- heritagefederal.org/personal-b…eposit-rates/share-rates
All captured Sep 18, 2026
Rewards Savings
Up to 0.75%APY
Qualifications to earn higher APY tier must be met during each monthly Qualification Cycle: at least 12 debit card purchases, enrolled in and log into digital banking, enrolled in e-statements, and at least 1 direct deposit into the account. Monthly dividend period. Only funds comprising each tier earn that tier's rate.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceQualifications met. Tier applies to portion of balance. | 0.75% | $75 | Qualifications met. Tier applies to portion of balance. |
| Any balanceQualifications not met. | 0.05% | $5 | Qualifications not met. |
| $100,000 and upQualifications met. APY is 0.75% to 0.63% based on an assumed account balance cap of $100,000 plus $100,000; APY decreases as balance increases above $100,000. | 0.50% | — | Qualifications met. APY is 0.75% to 0.63% based on an assumed account balance cap of $100,000 plus $100,000; APY decreases as balance increases above $100,000. |
Sources (2)
- heritagefederal.org/personal-b…ccounts/savings-accounts
- heritagefederal.org/personal-b…eposit-rates/share-rates
All captured Sep 18, 2026
General Share
Up to 0.10%APY
Monthly dividend period. Rates are variable and may change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.05% | $5 |
| $10,000 and up | 0.10% | $10 |
| $25,000 and up | 0.15% | — |
Sources (1)
- heritagefederal.org/personal-b…eposit-rates/share-rates · captured Sep 18, 2026
Primary Share
Up to 0.10%APY
$5 minimum balance represents ownership in the credit union. Monthly dividend period. Rates are variable and may change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.05% | $5 |
| $10,000 and up | 0.10% | $10 |
| $25,000 and up | 0.15% | — |
Sources (2)
- heritagefederal.org/personal-b…ccounts/savings-accounts
- heritagefederal.org/personal-b…eposit-rates/share-rates
All captured Sep 18, 2026
Special-purpose accounts
Health Savings Account
1.00%APY
Requires a qualifying high-deductible health plan (HDHP). No fees, no minimum balance. Rates may change after accounts are opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo fees, no minimum balance. Qualifying HDHP required.Any balance | 1.00% | $100 | No fees, no minimum balance. Qualifying HDHP required. |
Sources (1)
- heritagefederal.org/personal-b…s/health-savings-account · captured Sep 18, 2026
Individual Retirement Account (IRA)
0.30%APY
Until you have reached 59 1/2 years of age, at least 90 days advance written notice is required to withdraw funds. Penalties may be imposed for early withdrawals. Monthly dividend period. Rates are variable and may change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.30% | $30 |
Sources (1)
- heritagefederal.org/personal-b…eposit-rates/share-rates · captured Sep 18, 2026
Christmas Club
Up to 0.10%APY
Christmas Clubs are paid out yearly in October for the Christmas shopping season. Monthly dividend period. Rates are variable and may change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
| $10,000 and up | 0.10% | $10 |
| $25,000 and up | 0.15% | — |
Sources (2)
- heritagefederal.org/personal-b…ccounts/savings-accounts
- heritagefederal.org/personal-b…eposit-rates/share-rates
All captured Sep 18, 2026
Primary Share < 19
Up to 0.10%APY
For members under age 19. Monthly dividend period. Rates are variable and may change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
| $10,000 and up | 0.10% | $10 |
| $25,000 and up | 0.15% | — |
Sources (1)
- heritagefederal.org/personal-b…eposit-rates/share-rates · captured Sep 18, 2026
Who can join Heritage 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 the designated field of membership counties across Indiana, Kentucky, and Illinois.
Employers and groups
- Membership is open to Heritage employees.
Family and household
- Membership is open to anyone who has an immediate family member who is a current member, or who resides in the same household as a current member of Heritage.
Other ways
- Business membership eligibility is limited to businesses located in field of membership counties.
Membership information collected October 5, 2026.