Savings & Club Accounts

Savings & Club Accounts


Member Savings

Joining Heritage Valley is as easy as opening a Savings Account with a minimum deposit of $20.00.

There are no fees to open an account - just the small deposit into your own savings account.*

A $20 minimum opening deposit and balance is required for all account owners. This is not a membership fee - it is your money. This amount represents your share in the ownership of the credit union and allows you to take advantage of our full range of products and services. In addition to membership, our Member Savings account offers:

*Members must maintain a minimum of $200 in combined average balance in loans and/or shares to avoid a monthly maintenance fee.

Club Accounts

Thanks to our Club Accounts, saving money for that something special or holiday gift giving couldn't be much easier with our many deposit options. You can make deposits into your Club Account through Payroll Deduction, online transfer via HV@home online banking and HVmobile banking, or at any of our office locations.

Christmas Club

  • No minimum balance required

  • Enroll anytime of the year

  • Funds automatically deposited to your savings account at maturity - October 1st

  • Earns competitive dividend rates

    Still have questions about the Christmas Club Account? Please visit our FAQS.


Vacation Club

  • No minimum balance required

  • Earns competitive dividend rates

  • Withdrawal at any time


Special Savings

Saving for something special or just want to further organize your accounts? A Special Savings account can help you set aside funds at your discretion - keeping them separate from other money, yet conveniently reported on the same account statement.
  • No minimum balance is required

  • Withdraw funds as you need them

  • Competitive dividend rates

  • Great for budgeting