Credit union · NCUA insured
Members Heritage CU Savings Rates
Top CarrotMembers Heritage CU’s best savings rate is 1.95% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Members Heritage CU’s savings rates compare
Compared with banks and credit unions near Lexington, KY, where Members Heritage CU has the most branches. $10,000, best rate first.
This credit union’s best
Members Heritage CU
1.95%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $195
Money Market Account
Top rate
Republic Bank
3.75%APY
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000 a year
- $375
2nd-highest rate
Blue Grass Federal
3.50%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $350
Members Heritage CU savings score
89
Savings score
Higher than 87% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0001.95%
- $100,000 balance$100,0002.50%
- QualifiedQualified1.95%
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 Members Heritage CU 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
1.95%APY
Dividends calculated on average daily balance and paid monthly. Minimum balance of $2,500 required to earn dividends. Up to 3 free withdrawals per month ($10.00 fee per additional withdrawal). No minimum balance required to keep the account open. All accounts verified by ChexSystems.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $10,000 | 1.80% | — |
| $10,000 – $25,000 | 1.95% | $195 |
| $25,000 – $50,000 | 2.10% | — |
| $50,000 – $100,000 | 2.25% | — |
| $100,000 and up | 2.50% | — |
Sources (2)
All captured Oct 5, 2026
Regular Shares
0.50%APY
A Regular Savings account is a MHCU membership requirement. No monthly maintenance fee. Dividends calculated on average daily balance, paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and up$5.00 minimum balance. Dividends calculated on average daily balance, paid quarterly. The third quarter dividend period paid a dividend rate of 0.35% and an APY of 0.35%.$5 and up | 0.50% | $50 | $5.00 minimum balance. Dividends calculated on average daily balance, paid quarterly. The third quarter dividend period paid a dividend rate of 0.35% and an APY of 0.35%. |
Sources (3)
All captured Oct 22, 2026
Special-purpose accounts
Christmas Club
0.50%APY
Limited to one account per member. No annual fee. Accrued balance deposited into primary Regular Savings Account on October 1st. $10 fee for early withdrawal. Dividends calculated on average daily balance, paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $2,500Standard Current Share Rate applies to balances above $2500.Over $2,500 | 0.50% | $50 | Standard Current Share Rate applies to balances above $2500. |
Sources (3)
All captured Oct 22, 2026
Flexible Traditional, Roth & Coverdell Ed. Savings Account
0.50%APY
Variable interest rate, may change monthly. Covers Flexible Traditional, Roth & Coverdell Ed. Savings Accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable interest rate, may change monthly. Term N/A, Minimum Deposit N/A.Any balance | 0.50% | $50 | Variable interest rate, may change monthly. Term N/A, Minimum Deposit N/A. |
Sources (4)
- membersheritage.org/iras
- membersheritage.org/deposit-rates
- membersheritage.org/roth-iras
- membersheritage.org/savings
All captured Oct 22, 2026
Health Savings Account (HSA)
0.50%APY
No minimum balance required. Dividends computed on average daily balance and paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required. Dividends computed on the average daily balance and paid monthly.Any balance | 0.50% | $50 | No minimum balance required. Dividends computed on the average daily balance and paid monthly. |
Sources (3)
All captured Oct 22, 2026
Who can join Members Heritage CU
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 individuals who live, work, worship, or attend school in 22 eligible Kentucky counties (Anderson, Bath, Bourbon, Boyle, Clark, Estill, Fayette, Franklin, Garrard, Harrison, Jessamine, Lincoln, Madison, Menifee, Mercer, Montgomery, Morgan, Nicholas, Powell, Rowan, Scott, and Woodford).
Family and household
- Membership is open to individuals who have family members in the 22 eligible Kentucky counties.
Cost to join
- Opening a share savings account with an initial deposit of as little as $5 is required to establish membership, with no annual membership fees or maintenance charges.
Membership information collected October 4, 2026.