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Savings Accounts

Opening a Primary Savings account with a minimum of $10 establishes your membership, and ownership, with HEFCU and opens you to all the accounts and services that HEFCU has to offer.

You can use your Primary Savings as your emergency savings account, or to save for a specific purpose or purchase. 

You can deposit into your Savings as often as you like:

  • Deposit cash or check at a HEFCU or Shared Branch location
  • Direct Deposit
  • Mobile Deposit in the mobile banking app
  • Transfer from your Checking or other HEFCU account
  • Any deposit-taking ATM

You may withdraw funds up to 4 times per calendar quarter without a fee.  Fees may apply for additional withdrawals. You may request an ATM card by completing the application.

Membership Application

Plan ahead for the holidays or an upcoming vacation with a HEFCU Club Account.  Automate your savings by setting up direct deposit or automatic transfers into your Club account. An early withdrawal fee will motivate you to avoid using this money for other purposes.

Vacation Club

Save throughout the year and make it a summer to remember, without the stress or debt of paying for vacation.  Savings from your Vacation Club will automatically roll into your Primary Savings account on May 1, just in time for you to plan and pay for your summer adventure. Your Vacation Club will remain open, so you can continue to save for the following year.  

Holiday Club

De-stress decking the halls with a Holiday Club account.  Save throughout the year to help with holiday expenses and use your savings for gift-giving, holiday travel and all around cheer.  Your savings will automatically roll into your Primary Savings on October 1.  Your Holiday Club will remain open, so you can begin saving for the next holiday season.

Earn more on your savings, without the risk of the stock market or the restrictions of a Certificate, with a Money Market Savings. With a Money Market, you'll earn higher dividends than with a traditional Savings account, while keeping the ability to access the funds if needed.  It's high-yield, liquid savings.

You can open a Money Market with as little as $5,000. Keep your balance from falling below $5,000 to avoid any monthly maintenance fees.

Make your money work harder for you. Open a Money Market account today.

Download Application

Here are 4 great reasons to open a Money Market account:

  1. Security- Funds in your Money Market are insured by the NCUA up to $250,000.
  2. Accessibility- You are free to access the funds in your account at any time. You can make up to 6 withdrawals from your account during any month without a penalty fee.
  3. High interest rates- Money Market accounts offer a rate of return that surpasses your typical savings account.  Give your money its best chance at growth! 
  4. Personal checks and debit card access- Money Market accounts offer flexibility and easy access. You can make payments using the funds from your Money Market by writing a check or using your debit card.

Teach your children how to save and spend wisely.  All youth accounts earn dividends, with no fees!

Young Einstein Account:

Give your child the best start by giving them the gift of Credit Union membership with HEFCU. This young savers account is for children ages 12 and under.   Young Einstein's will earn dividends on their savings while learning the importance and value of saving.  Plus, they'll earn an account opening bonus!

eStatements are required for this account.

Healthy Investors Account:

Give your teen the opportunity to learn and practice skills like saving, budgeting and responsible spending. Healthy Investors accounts are for teens ages 13-17.  Teens can also open a Checking account to help with managing finances and learning to budget and spend wisely.  A Debit card is available with Checking. 

eStatements are required for this account.

Special Account Opening Bonus*:

Open a youth account for your loved ones and receive $10 for introducing a new member to the HEFCU family. Plus, the youth account member will earn a $15 deposit into their new account!

Download Application

*Accounts must be registered for eStatements within 90 days of account opening to be eligible to receive opening bonus.

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