Yes. Your Money Market Account is federally insured by the National Credit Union Administration (NCUA), up to $250,000 across all Members Heritage deposit accounts.

Money Market Accounts - Members Heritage CU

Q: How is a Money Market Account different from a regular checking account?

A regular checking account doesn’t earn a dividend. However, a Money Market Deposit Account earns a higher interest rate on deposits over $2,500. The more you put in, the more you earn with our tiered interest rate structure. You’re allowed up to three withdrawals per month with no fees.

Q: Are there any minimum balance requirements?

There’s no minimum amount to keep the account open. However, a minimum of $2,500 is required to earn dividends.

Q: What fees are associated with a Money Market Account?

You can make up to three withdrawals per month at no charge. Each additional withdrawal incurs a $10.00 fee.

Q: How accessible are the funds in this account?

You may access your funds online, through the app, by visiting a branch, or by writing a share draft.

Serious Savings, Flexible Access

With a Members Heritage Money Market Account, the more you put in, the more you get out. You’ll earn tiered dividends on deposits over $2,500 while keeping your cash right where you need it.

It’s a smart, safe way to build your emergency fund, or save for a tax payment or dream vacation. And with three free withdrawals a month, your money is always easily accessible and within reach.

Ready to get serious about savings? Open an account today.

Open a Money Market Account in 3 Easy Steps

Step 1

Apply Online or Call Us

Step 2

Submit Your Details

Provide your info and select “Money Market” as your account type.

Step 3

Deposit & Earn!

Make your first deposit and start earning dividends right away.

Members Heritage Membership Benefits

At Members Heritage Credit Union, membership is about more than just banking. It’s joining a community dedicated to supporting your financial health. Take advantage of a variety of benefits designed to help you build security and plan for the future.

24/7 Digital Banking Services

Manage your finances anytime, anywhere with our user-friendly mobile app, online banking, eStatements, and mobile check deposit features.

Better Rates for Saving and Borrowing

Whether you’re borrowing or saving, enjoy low-interest rates on personal, auto, and mortgage loans, plus competitive annual percentage yields (APY) on savings accounts.

Exclusive Member Discounts

Get special offers and discounts on various products and services, including entertainment, travel, and more, through our partnership with Love My Credit Union Rewards.