Credit union · NCUA insured
Heritage USA Federal Credit Union Savings Rates
Top CarrotHeritage USA Federal Credit Union’s best savings rate is 0.13% APY on $10,000, with its Money Market Savings Account. Rates checked October 16, 2026.
How Heritage USA Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Midland, TX, where Heritage USA Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Heritage USA Federal Credit Union
0.13%APY
- Minimum
- $2,000
- Earns on $10,000 a year
- $12
Money Market Savings Account
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Chevron Federal Credit Union
3.15%APY
- Minimum
- $0
- Earns on $10,000 a year
- $315
Heritage USA Federal Credit Union savings score
66
Savings score
Higher than 15% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.13%
- $100,000 balance$100,0000.13%
- QualifiedQualified0.13%
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 USA Federal 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 Savings Account
0.13%APY
Tiered rates based on balance. Transaction limit: 6 automated withdrawals/unlimited deposits.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 and upRate stated as high as 0.125% APY; rates are tiered based on balance.$2,000 and up | 0.13% | $12 | Rate stated as high as 0.125% APY; rates are tiered based on balance. |
Share Savings
0.05%APY
Must be or become a member of Heritage USA FCU. Official State Issued ID or Driver's License and Social Security Card required to open. Transaction limit: 6 automated withdrawals/unlimited deposits.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Savings Accounts
2.29%APY
Retirement account options include Accumulative IRA or Rollover IRA. Membership required. Tax advisor recommended.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 2.29% | $229 |
| $25,000 and up | 2.52% | — |
Sources (2)
All captured Oct 6, 2026
Who can join Heritage USA Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.