Grow Your Savings
HVCU's tiered money market accounts offer an interest rate higher than a traditional savings account. Enjoy access to digital banking tools, unlimited monthly deposits, and up to 6 withdrawals or transfers each month without a fee.
- Low minimum opening amount of just $500.
- Five tiers to chose from, so the more you save, the higher your return.
- No opening fee, no low balance fee, and no monthly maintenance fee.1
- Manage your money online and at thousands of surcharge-free ATMs nationwide.
- Insured up to $250,000 by the National Credit Union Insurance Fund.
Check Out Our Tiered Money Market Rates
Compare Your Savings Options
In addition to a Money Market Account, one of our other savings options may be a great fit as well!
Savings Accounts
- No minimum deposit requirement
- Earns interest
- No monthly fees
- Flexibility to add or withdraw funds as needed
- Funds may be used as collateral for a loan
Tiered Money Market Accounts
- Earns more interest than a savings account
- Low minimum opening balance of $500
- Higher APYs for balance tiers of $10,000, $50,000, $100,000, and $250,000 or more
- Flexibility to add or withdraw funds as needed
- Ability to write checks
Certificate Accounts
- Earns more interest than a savings and most tiered money market account tiers
- Flexible minimum opening balance requirements, as low as $250
- Guaranteed to never lose your initial investment
- Short and long-term options, up to 60 months
Direct Deposit
Direct deposit via ACH (Automated Clearing House) is today’s safest, fastest, most convenient way to deposit your paycheck, Social Security, or other recurring payment.
Regulation D Guidelines
You are limited to six withdrawals and/or transfers from tiered money market accounts each month. Withdrawals and transfers made between your accounts are unlimited when made under the following circumstances:
- In person
- At an ATM
- By mail
- At a Shared Service Center
- By messenger
- By transfer to an HVCU loan in your name
- By phone, fax, Internet Banking, Mobile Banking, or email when requesting an HVCU official check made payable to you and mailed to your address of record with HVCU
Monitor Accounts
Monitor your account balances and account activity with text and email notifications through CUAlerts. We offer a specific alert that can be sent when a transaction from your tiered money market account counts towards the free monthly withdrawal/transfer limit of six. A $10 fee will be assessed for each withdrawal or transfer in excess of six.1
Your Money Is Protected
Accounts at HVCU are Federally Insured for up to $250,000. Share insurance coverage is provided by the National Credit Union Administration (NCUA), an independent government agency that charters, regulates and insures federal credit unions. Visit mycreditunion.gov to learn more about your Share Insurance Coverage.
What Your Neighbors Are Saying
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Image of Mature woman outside looking at waterHVCU Member33 YearsOver 25 years of service with checking, savings and money market has impressed me. I am joint on my kid's accounts so I can transfer funds or check on transactions.
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Image of Male outdoorsHVCU Member32 YearsHave been a member for 30+ years and we are pleased with service, accounts offered, and value.
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Image of Young man smiling outdoorsHVCU Member8 YearsVery easy to get account opened.
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Important Legal Disclosure & Information
The tools and calculators on the HVCU website are provided for educational and illustrative purposes only. The accuracy of the calculations and their applicability to your financial circumstances are not guaranteed. HVCU does not provide tax, legal, accounting, financial, investment or other professional advice. The tools and calculators should not be used as a substitute for tax, legal, accounting, financial, investment or other professional advice. Your use of the tools or calculators does not assure the availability of, or your eligibility for, any specific product offered by HVCU or its affiliates. The terms and conditions of specific products may differ and affect the results obtained by using these tools and calculators. All financing is subject to credit approval. The default figures, amounts and information shown in the tools and calculators are hypothetical and may not be applicable to you. Please consult with qualified professionals to discuss your particular situation.
1If withdrawals, including transfers within a calendar month exceed an aggregate of six transactions, a fee of $10 is assessed for each withdrawal or transfer in excess of the permitted six.