Credit union · NCUA insured
Heritage Financial Credit Union Savings Rates
Heritage Financial Credit Union’s best savings rate is 2.25% APY, with its Heritage High Yield Savings, with extra requirements. Rates checked October 16, 2026.
How Heritage Financial Credit Union’s savings rates compare
Compared with banks and credit unions near Kiryas Joel, NY, where Heritage Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Heritage Financial Credit Union
2.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $225
Heritage High Yield Savings
Top rate
Beacon Bank
3.20%APY
- Requires
- Another account
- Minimum
- $250
- Earns on $10,000 a year
- $320
2nd-highest rate
International Bank of Chicago
3.20%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $320
Heritage Financial Credit Union savings score
71
Savings score
Higher than 28% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified2.25%
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 Financial 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.
Heritage High Yield Savings
Up to 2.25%APY
Must be paired/linked with a Heritage High Yield Checking or Heritage Cash Back Checking account. Monthly Direct Deposit/ACH credit and enrollment in eStatements are conditions. Limit of one account per member (SSN). Non-commercial use only.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $150,000Earned when monthly qualifications in linked Heritage High Yield Checking or Heritage Cash Back Checking are met (at least 12 debit card purchases, at least 1 direct deposit/ACH credit, enrolled in e-Statements). Dividend rate is 2.23%. | 2.25% | $225 | Earned when monthly qualifications in linked Heritage High Yield Checking or Heritage Cash Back Checking are met (at least 12 debit card purchases, at least 1 direct deposit/ACH credit, enrolled in e-Statements). Dividend rate is 2.23%. |
| Any balanceBase rate earned on entire daily balance if monthly qualifications in linked checking account are not met. Dividend rate is 0.05%. | 0.05% | $5 | Base rate earned on entire daily balance if monthly qualifications in linked checking account are not met. Dividend rate is 0.05%. |
Sources (3)
All captured Sep 17, 2026
Special-purpose accounts
Additional Savings (Holiday, Vacation)
0.01%APY
Dividends are compounded and credited quarterly. Rate requires maintaining good standing and the required minimum balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upBalance to earn minimum APY is $500. Dividends compounded and credited quarterly.$500 and up | 0.01% | $1 | Balance to earn minimum APY is $500. Dividends compounded and credited quarterly. |
IRA Savings
0.01%APY
No early withdrawals are allowed on any IRA account or penalty applies. Traditional, Roth, and Coverdell Education Savings accounts available. Dividends compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upBalance to earn minimum APY is $500. No early withdrawals allowed without penalty. Dividends compounded and credited quarterly.$500 and up | 0.01% | $1 | Balance to earn minimum APY is $500. No early withdrawals allowed without penalty. Dividends compounded and credited quarterly. |
Who can join Heritage Financial 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, volunteers, or attends school in Orange, Ulster, Dutchess, Putnam, or Rockland counties in New York; Pike County in Pennsylvania; or Passaic and Sussex counties in New Jersey.
Family and household
- Membership is open to anyone who has a family member that is a member in Orange, Ulster, Dutchess, Putnam, or Rockland counties in New York; Pike County in Pennsylvania; or Passaic and Sussex counties in New Jersey.
Membership information collected October 5, 2026.