Regular No-Fee Savings Account - Members Heritage

Q: Are there any minimum balance requirements to maintain the no-fee status of the savings account?

No, there are no minimum balance requirements to avoid fees on your Regular Savings Account.

Q: Is there a minimum deposit required to open the account?

You can open a No-Fee Regular Savings Account with as little as $5.00.

Q: What is the interest rate on the savings account, and how often is interest compounded?

You can check our current dividend rate on our rates page. Interest is calculated on your average daily balance every month and paid quarterly.

Q: Are there any restrictions on how and when I can access my funds?

There are no restrictions on how or when you can access funds in your Regular Savings Account.

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No Fees. Higher Rates.

You can expect more when you become a member and open a Regular Savings Account at Members Heritage Credit Union.

No Monthly Maintenance Fee

Our Regular Savings Account charges no service fee so you can build your savings faster.

No Minimum Balance

There’s no limit on how much or how little you can choose to keep in your account.

Higher Dividends

You’ll get a better interest rate on your savings at Members Heritage Credit Union.

Always Accessible

Your cash is always available to you through Online Banking, Telephone Teller, or ATM.

No-Fee Savings With All the Perks

With no fees and higher interest rates, your Members Heritage Regular Savings account offers a great place to build up savings for everyday purchases or to buy something special.

No monthly fees or surcharges
No minimum balance requirement
Convenient ATM access
Access your account balance anytime with our Telephone Teller or Online Banking services.
Dividends are calculated on average daily balance, paid quarterly
Can be used for overdraft protection for Regular Checking accounts

A Regular Savings account is a MHCU membership requirement. You can open an account today for as little as $5.00.

Open an Account

Man putting money in a piggy bank

Join Us and Get Your Savings Account in 3 Easy Steps

Step 1

Apply Online, Call, or Visit

Start your membership application online, by phone at (859) 259-3466, or at any branch.

Step 2

Share Your Info

We’ll need a valid ID, Social Security Number, address, and proof of eligibility to join.

Step 3

Open Your Savings Account

Make your initial deposit to open your Regular Savings Account—your first step to full membership.

Get Started

What Our Members Are Saying

I like Members Heritage so much, I kept my accounts in Kentucky even after I moved to Florida.

Rick B., New Port Richie, FL

Members Heritage Membership Benefits

Becoming a member of Members Heritage Credit Union means more than opening an account—it’s joining a community that’s committed to your financial well-being. Enjoy access to valuable benefits that support your goals, build financial security, and help you plan with confidence.

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 (APYs) 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.