Credit union · NCUA insured
Heritage Valley Federal Credit Union Savings Rates
Top CarrotHeritage Valley Federal Credit Union’s best savings rate is 0.90% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Heritage Valley Federal Credit Union’s savings rates compare
Compared with banks and credit unions near York, PA, where Heritage Valley Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Heritage Valley Federal Credit Union
0.90%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $90
Money Market Account
Top rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Univest
3.75%APY
- Minimum
- —
- Earns on $10,000 a year
- $375
Heritage Valley Federal Credit Union savings score
83
Savings score
Higher than 62% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.90%
- $100,000 balance$100,0001.80%
- QualifiedQualified0.90%
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 Valley 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 Account
0.90%APY
Minimum balance required to open an account and earn dividends is $2,500. Dividends are compounded monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $24,999Yield assumes principal and dividends remain on deposit for 1 year. Dividends are compounded monthly. | 0.90% | $90 | Yield assumes principal and dividends remain on deposit for 1 year. Dividends are compounded monthly. |
| $25,000 – $49,999Yield assumes principal and dividends remain on deposit for 1 year. Dividends are compounded monthly. | 1.30% | — | Yield assumes principal and dividends remain on deposit for 1 year. Dividends are compounded monthly. |
| $50,000 – $99,999Yield assumes principal and dividends remain on deposit for 1 year. Dividends are compounded monthly. | 1.55% | — | Yield assumes principal and dividends remain on deposit for 1 year. Dividends are compounded monthly. |
| $100,000 and upYield assumes principal and dividends remain on deposit for 1 year. Dividends are compounded monthly. | 1.80% | — | Yield assumes principal and dividends remain on deposit for 1 year. Dividends are compounded monthly. |
Sources (1)
- heritagevalleyfcu.org/money-market · captured Oct 6, 2026
Regular Savings Account
0.05%APY
A minimum deposit of $5.00 to become a member. Dividends earned on balances of $50 or more. A combined average balance of $200 in all shares and loans is required to avoid a monthly service charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends earned on balances of $50 or more. Combined average balance of $200 in all shares and loans required to avoid monthly service charge.$50 and up | 0.05% | $5 | Dividends earned on balances of $50 or more. Combined average balance of $200 in all shares and loans required to avoid monthly service charge. |
Sources (3)
- heritagevalleyfcu.org/old-design-rates
- heritagevalleyfcu.org/rates
- heritagevalleyfcu.org/savings-account
All captured Oct 6, 2026
Special Occasion Savings Account
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance to earn dividends is $50.00.$50 and up | 0.05% | $5 | Minimum balance to earn dividends is $50.00. |
Sources (3)
- heritagevalleyfcu.org/old-design-rates
- heritagevalleyfcu.org/rates
- heritagevalleyfcu.org/savings-account
All captured Oct 6, 2026
Special-purpose accounts
Health Savings Account
0.05%APY
Must be currently enrolled in an HSA-qualified high-deductible health plan (HDHP), may not be enrolled in any other non-HSA qualified health plan, may not have or be eligible to use a general-purpose FSA, cannot be claimed as a dependent, may not be enrolled in Medicare, Medicaid, or Tricare, and must not have used VA benefits for anything other than preventative services in the past three months.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (3)
- heritagevalleyfcu.org/health-savings
- heritagevalleyfcu.org/old-design-rates
- heritagevalleyfcu.org/rates
All captured Oct 6, 2026
IRA Shares
0.05%APY
Available as Traditional, Roth, or Coverdell IRA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance to earn dividends is $50.00.$50 and up | 0.05% | $5 | Minimum balance to earn dividends is $50.00. |
Sources (3)
All captured Oct 6, 2026
Who can join Heritage Valley Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in the South Central PA counties of Adams, Cumberland, Dauphin, and York is eligible for membership.
Membership information collected October 5, 2026.