English
简体中文
العربيّة
Earn competitive interest rates and enjoy flexible access to your funds — the smart way to save and grow.
Open a Money Market AccountWhen you want the perfect balance between growth and accessibility, a Money Market Account is one of the smartest ways to save. At Heritage Credit Union, our Online Money Market Account gives you the flexibility of a checking account with the earning potential of high-yield savings. It’s designed for members who want their money to work harder — without losing easy access to their funds.
Unlike traditional savings accounts, a money market account rewards you with tiered interest rates that increase as your balance grows. This means the more you save, the more you earn — all while keeping your money safe and liquid. Whether you’re setting aside funds for short-term goals or building a cushion for future plans, this account helps you achieve both.
With our fully digital banking platform, you can open and manage your account online in just minutes. There’s no need to visit a branch — everything from deposits and transfers to balance tracking happens securely through your computer or mobile device. Heritage Credit Union’s online-first approach means we pass the savings on to you in the form of better rates and zero monthly maintenance fees.
As one of the best Money Market Accounts in the USA and Canada, we make saving simple, secure, and rewarding. You’ll benefit from our decades of experience as a trusted credit union and our commitment to helping members build financial confidence in a digital world.
Earn higher returns as your balance grows — rewarding you for saving more.
Keep your savings growing without worrying about unnecessary charges.
Manage your account securely anytime, anywhere, with full digital access.
Enjoy limited check writing and withdrawal flexibility when you need your funds.
Your deposits are insured, keeping your money safe and your mind at ease.
Benefit from competitive rates designed to outperform traditional accounts.
| Feature | Money Market Account | Regular Savings Account |
|---|---|---|
| Interest Rates | Tiered, higher as balance increases | Fixed, standard rate |
| Access | Limited withdrawals, online access | Unlimited online access |
| Fees | No monthly maintenance fee | None with minimum balance |
| Minimum Balance | Moderate requirement for higher yield | Low minimum deposit |
| Ideal For | Savers seeking higher returns with flexibility | Beginners or short-term savers |
A Money Market Account combines the benefits of savings and checking — offering higher interest rates with limited withdrawal flexibility.
Yes, your funds are federally insured up to applicable limits, providing peace of mind for every saver.
Rates are tiered — meaning you earn more as your balance grows. Check current rates on our website for details.
You can make limited withdrawals or transfers each month, maintaining the account’s savings structure while offering flexibility.
Residents of the USA and Canada can easily open an account online through Heritage Credit Union’s secure platform.
Looking for other savings options? Explore our High-Yield Savings Account or Regular Savings Account.
