Flexible Savings. Easy Access.
Grow your savings with a competitive return—without locking your money into a traditional certificate.
The Heritage Club account gives you the flexibility to add money whenever you choose and access your funds when needed, all while earning a guaranteed 4.07% APY from the date of your initial deposit through November 30, 2026.
Earn 4.07% APY
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Guaranteed 4.07% APY through November 30, 2026
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Dividends paid monthly
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No minimum deposit
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No maximum deposit
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Add money at any time
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Withdrawals allowed
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One simple $10 fee for each withdrawal, regardless of the amount
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No traditional certificate-style early-withdrawal penalty
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Federally insured by NCUA
Save More Without Feeling Locked In
A certificate can be a great savings option, but it may not be right for members who want easier access to their money.
Heritage Club provides an alternative for members who want to earn a competitive rate while maintaining greater flexibility. You may continue adding money to the account throughout the term, and withdrawals are permitted when you need access to your savings.
Instead of a traditional certificate-style early-withdrawal penalty, a flat $10 fee applies to each withdrawal, regardless of the amount withdrawn.
Current Heritage Club Term
The first Heritage Club term matures on November 30, 2026.
The current 4.07% APY is guaranteed from the date of your initial deposit through November 30, 2026. The rate and term are subject to change at maturity, with the new rate and term becoming effective December 1, 2026.
At maturity, members may choose to transfer the Heritage Club balance to another eligible Heritage South Credit Union account. Members who do not request a transfer understand that the Heritage Club rate and term may change at maturity.
How to Open a Heritage Club Account
Opening your Heritage Club account is easy:
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Visit any Heritage South Credit Union branch.
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Speak with a member of our team.
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Review and sign the Heritage Club account disclosure.
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Make your initial deposit—there is no minimum deposit requirement.
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Select your maturity instructions.
Membership eligibility and account terms apply.
Open Your Heritage Club Account Today
Start earning more while keeping your savings flexible.
Visit any Heritage South Credit Union branch to get started.
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Frequently Asked Questions
What is the Heritage Club Account?
Heritage Club is a flexible savings account that allows members to earn a competitive APY without placing their money in a traditional certificate.
What is the current Heritage Club rate?
The current rate is 4.07% APY, guaranteed from the date of the initial deposit through November 30, 2026.
How often are dividends paid?
Dividends are paid monthly.
Is there a minimum opening deposit?
No. There is no minimum deposit requirement.
Is there a maximum deposit?
No. There is no maximum deposit.
Can I add more money after opening the account?
Yes. Additional deposits may be made at any time during the current term.
Can I withdraw money from the account?
Yes. Withdrawals are allowed. A flat $10 fee applies to each withdrawal, regardless of the amount withdrawn.
Is there an early-withdrawal penalty?
There is no traditional certificate-style early-withdrawal penalty. However, a $10 fee applies to each withdrawal and may reduce earnings.
When does the current Heritage Club term mature?
The current Heritage Club term matures on November 30, 2026.
What happens at maturity?
The Heritage Club rate and term will be re-evaluated at maturity. The new rate and term will become effective December 1, 2026.
Members may provide instructions to transfer the balance to another eligible Heritage South Credit Union account at maturity. If the balance is not transferred, the member understands that the Heritage Club rate and term may change.
Can I open a Heritage Club account online?
Please visit a Heritage South Credit Union branch to open your account and complete the required account disclosure and maturity instructions.
Is my money federally insured?
Yes. Funds deposited at Heritage South Credit Union are federally insured by the National Credit Union Administration, subject to applicable coverage limits.