Credit union · NCUA insured
Heritage Family Credit Union Savings Rates
Heritage Family Credit Union’s best savings rate is 1.30% APY on $10,000, with its Money Market Share Account. Rates checked October 22, 2026.
How Heritage Family Credit Union’s savings rates compare
Compared with banks and credit unions near Rutland, VT, where Heritage Family Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Heritage Family Credit Union
1.30%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $130
Money Market Share Account
Top rate
Beacon Bank
3.20%APY
- Requires
- Another account
- Minimum
- $250
- Earns on $10,000 a year
- $320
2nd-highest rate
EastRise Credit Union
1.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $150
Heritage Family Credit Union savings score
88
Savings score
Higher than 81% of U.S. banks and credit unions
- $1,000 balance$1,0001.30%
- $10,000 balance$10,0001.30%
- $100,000 balance$100,0002.00%
- QualifiedQualified1.30%
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 Family 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 Share Account
1.30%APY
Must purchase and maintain 1 share ($25.00 par value) for credit union membership. Once a particular balance range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. Dividends calculated using the daily balance method. Cash withdrawals may be limited to $2,000.00 per day. No monthly service charge. Member must maintain a minimum balance of $1,000 each day to obtain the disclosed APY; if balance falls below $1,000, the account will not earn dividends that day.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $20,000 | 1.30% | $130 |
| $20,000 – $35,000 | 1.55% | — |
| $35,000 – $50,000 | 1.70% | — |
| $50,000 and up | 2.00% | — |
Share Savings Account
0.25%APY
Primary Savings maintains the $25 share required for membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAs a condition of membership, 1 share with par value $25.00 must be purchased and maintained.Any balance | 0.25% | $25 | As a condition of membership, 1 share with par value $25.00 must be purchased and maintained. |
Special-purpose accounts
Health Savings Account (HSA)
0.40%APY
Must have a qualified high-deductible health plan; primary account holder must be at least 18 years old.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.20% | — |
| $5,000 and up | 0.40% | $40 |
Sources (3)
All captured Oct 3, 2026
Individual Retirement Account (IRA) Shares/Savings
0.25%APY
Available in Traditional and Roth options.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (3)
All captured Oct 3, 2026
Special Purpose Savings Accounts (Holiday, Vacation, Fuel, Tax, etc.)
0.25%APY
No minimum balance or deposit requirements.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (3)
- hfcuvt.com/rates/deposit-rates.html
- hfcuvt.com/special-purpose-account-rates.html
- hfcuvt.com/spend-and-save/savings.html
All captured Oct 3, 2026
Who can join Heritage Family Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Businesses that are members of an organization within the field of membership, regularly conduct business in one of the municipalities, or are located/headquartered in one of the field of membership municipalities are eligible for business membership.
- Individuals who live, work, worship, attend school, volunteer, regularly conduct business, or are a member of an organization within the specified field of membership in Vermont, New Hampshire, New York, or Massachusetts are eligible for membership.
Family and household
- Individuals who are immediate family members of a current member or live in a household with a current member are eligible for membership.
- Surviving spouses of members who passed away while in the credit union's field of membership are eligible for membership.
Cost to join
- Membership requires an initial share deposit of $25 into an account as a member's ownership share in the credit union.
Membership information collected October 4, 2026.