Credit union · NCUA insured
The Health and Education Federal Credit Union Savings Rates
The Health and Education Federal Credit Union’s best savings rate is 2.25% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How The Health and Education Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Lexington, KY, where The Health and Education Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
The Health and Education Federal Credit Union
2.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $225
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
The Health and Education Federal Credit Union savings score
71
Savings score
Higher than 29% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0002.50%
- QualifiedQualified0.20%
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 The Health and Education 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
2.25%APY
Dividends calculated on average daily balance, paid quarterly. Minimum balance of $2,500 required to earn dividends. Accounts verified by ChexSystems.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $10,000 | 2.00% | — |
| $10,000 – $25,000 | 2.25% | $225 |
| $25,000 and up | 2.50% | — |
Personal Savings
0.20%APY
Requires active membership with a $5.00 one-time membership fee. Dividends calculated on average daily balance and paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Special-purpose accounts
Christmas Club
0.20%APY
Matures annually on October 1st. Payroll deduction available.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Individual Retirement Accounts
0.20%APY
Traditional IRAs and Roth IRAs available.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Vacation Club
0.20%APY
Matures annually on April 1st. Payroll deduction available.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Who can join The Health and Education Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of certain employer groups are eligible for membership.
Family and household
- Immediate family members of current credit union members (spouses, children, siblings, parents, grandchildren, grandparents, and adoptive relationships) are eligible for membership.
Cost to join
- The minimum balance required on savings accounts is $25.00 with no fees.
Membership information collected October 4, 2026.