English
简体中文
العربيّة
What is our High-Yield Savings Account?
A High-Yield Savings Account at Heritage Credit Union is an online-first savings product designed for members who want higher returns than standard savings accounts while keeping funds secure and accessible. This account combines competitive returns, modern digital banking tools, and the convenience of fully online account management — perfect for building emergency savings, short-term goals, or a cash buffer.
Key Features of Our High-Yield Savings Account
Higher Effective Returns
Designed to deliver better growth than traditional savings, our high-yield account helps your money work harder while remaining secure and liquid.
Low Minimum to Start
Open and grow your account with a modest initial deposit — built to be accessible for everyday savers.
Fully Online & Mobile
Manage balances, transfer funds, and track growth directly from your phone or desktop using our secure online portal and mobile app.
Easy Transfers & Linkable Accounts
Move money between accounts instantly. Link your High-Yield account to checking or Regular Savings for fast transfers.
Secure & Insured
We protect your deposits with regulated insurance and industry-standard security measures for peace of mind.
Automatic Savings Tools
Automate recurring transfers to grow savings habitually — an effortless way to reach goals faster.
Why choose a High-Yield Savings Account?
Better returns, same flexibility
High-yield savings offer a stronger balance-growth potential while preserving the liquidity of a standard savings account. For savers who want competitive returns without locking money away in long-term investments, this account strikes a practical balance.
Digital-first convenience
Because this account is online-first, you can open, fund, and manage everything from your device. No branch visits — everything is secure, fast, and optimized for remote access throughout the USA & Canada.
How it works — simple steps
- Open your account online in minutes using our secure application.
- Fund the account through a digital transfer from a linked checking or savings account.
- Enable automatic transfers or deposits to build balance over time.
- Withdraw or transfer funds anytime using our online portal or mobile app.
Comparison: High-Yield vs Regular Savings
Unlike a Regular Savings Account, a High-Yield Savings Account prioritizes higher returns while maintaining liquidity. Use Regular Savings for everyday safety and minimal balance needs; choose High-Yield when your priority is maximizing interest on funds you don’t need for daily use.
Security & Insurance
Member funds are protected through applicable deposit insurance and industry-standard security practices. We use strong encryption, multi-factor authentication, and continuous monitoring to protect accounts and transactions.
Open your High-Yield Savings Account
Ready to earn more on your savings? Opening is fast and secure — and everything can be done online. We recommend linking a checking account for quick transfers and enabling automatic deposits to grow your balance without thinking about it.
Common Questions About Our High-Yield Savings Account
High-Yield accounts are designed to deliver higher interest than typical Regular Savings accounts. Both provide digital access and liquidity; the high-yield option focuses on maximizing yield for funds held longer term.
Yes — you can transfer funds instantly between linked accounts in your online dashboard, making it easy to manage liquidity and growth.
Yes. Deposits are protected under applicable insurance regulations to provide members with peace of mind.
Yes. Our online platform serves members across the USA and Canada; terms may vary by location and eligibility.
Interest is credited on a regular basis as described in the account terms — check your account disclosures for precise timing.
