Credit union · NCUA insured
Mountain Heritage Federal Credit Union Savings Rates
Mountain Heritage Federal Credit Union’s best savings rate is 2.53% APY on $10,000, with its Money Market Accounts – Free Checks. Rates checked October 22, 2026.
How Mountain Heritage Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Hagerstown, MD-WV, where Mountain Heritage Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mountain Heritage Federal Credit Union
2.53%APY
- Minimum
- —
- Earns on $10,000 a year
- $253
Money Market Accounts – Free Checks
2nd-highest rate
Washington County Teachers Federal Credit Union
1.75%APY
- Minimum
- $0
- Earns on $10,000 a year
- $175
3rd-highest rate
167th TFR Federal Credit Union
1.51%APY
- Minimum
- —
- Earns on $10,000 a year
- $151
Mountain Heritage Federal Credit Union savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 Mountain Heritage 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 Accounts – Free Checks
Up to 2.53%APY
Limited to 3 check withdrawals a month. If you write more than 3 checks, a fee of $20.00 per check will be charged. If it drops below $1,000.00, no dividends will be paid for that month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upIf balance drops below $1,000.00, no dividends will be paid for that month. | 2.02% | $202 | If balance drops below $1,000.00, no dividends will be paid for that month. |
| $10,000 and up | 2.53% | $253 |
Sources (1)
- mhfcu.net/rates · captured Sep 19, 2026
Shares
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Sources (1)
- mhfcu.net/rates · captured Sep 19, 2026
Special-purpose accounts
IRA
0.90%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.90% | $90 |
Sources (1)
- mhfcu.net/rates · captured Sep 19, 2026
Club Account (Christmas and Vacation)
0.75%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.75% | $75 |
Sources (1)
- mhfcu.net/rates · captured Sep 19, 2026
Who can join Mountain Heritage Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.