MONEY MARKET ACCOUNTS
Save for upcoming expenses, build an emergency fund, or simply grow your balance.
More savings can mean more earning power
A Gold Share Money Market Account combines the earning potential of a tiered savings account with access to your money when you need it. Your dividend rate is based on your account balance, so maintaining a higher balance may help you earn a higher return. Deposits are unlimited, giving you the freedom to continue growing your savings over time.
Earn tiered dividends
Your account is placed into one of five balance tiers. As your balance grows, you may qualify for a higher dividend rate.
Receive dividends monthly
Dividends are paid each month, helping your savings continue to build throughout the year.
Keep adding to your savings
Make unlimited deposits and continue contributing whenever it works for your budget.
Access money when needed
Your savings are not locked into a set term. You can make up to three withdrawals per month under the account’s current terms.
Grow into a higher rate
The dividend rate for your Gold Share Money Market Account is based on your account balance.
|
Balance |
Dividend Rate |
Annual Percentage Yield (APY) |
|---|---|---|
|
Checking and money-market dividends are paid monthly. Their disclosed rates are based on the previous month and may change monthly. Fees may reduce earnings. |
||
|
Balance $2,500–$9,999.99 |
Dividend Rate 0.85% |
Annual Percentage Yield (APY) 0.85% |
|
Balance $10,000–$49,999.99 |
Dividend Rate 1.05% |
Annual Percentage Yield (APY) 1.05% |
|
Balance $50,000–$99,999.99 |
Dividend Rate 1.20% |
Annual Percentage Yield (APY) 1.21% |
|
Balance $100,000–$199,999.99 |
Dividend Rate 1.40% |
Annual Percentage Yield (APY) 1.41% |
|
Balance $200,000 and above |
Dividend Rate 2.75% |
Annual Percentage Yield (APY) 2.78% |
How it works
Start with $2,500
Maintain the account’s required minimum balance to begin earning at the first Gold Share dividend tier.
Continue contributing
Add money as often as you would like. There is no limit on the number of deposits you can make.
Earn monthly dividends
Your dividend rate is based on the balance tier your account qualifies for, and dividends are paid monthly.
Use your money thoughtfully
Make withdrawals when necessary while staying within the account’s monthly transaction limit.
Is a money market account right for you?
A Gold Share Money Market Account could be a good fit when you have at least $2,500 to set aside but still want access to your money.
Consider using it for:
- An emergency fund
- Home repairs or improvements
- A future vehicle purchase
- Taxes or other planned expenses
- Travel or a major life event
- Savings you are not ready to place in a certificate
Unlike a certificate, a money market account does not require you to leave your money deposited for a set term. However, monthly withdrawal limits apply.
Frequently Asked Questions
It is a tiered savings account that lets you earn dividends while maintaining access to your money. The dividend rate you may earn depends on your account balance.
A minimum balance of $2,500 is required for a Heritage South Gold Share Money Market Account.
Dividends on Gold Share Money Market Accounts are paid monthly.
Yes. Deposits are unlimited, so you can continue contributing to your account over time.
The current Gold Share account terms limit withdrawals to three per month. One of our team members can explain which transaction types count toward this limit.
Gold Share Money Market Accounts have five balance tiers. Higher balance tiers may earn higher dividend rates. Review our current deposit rates for the latest rate and APY available for each tier.
Yes. Gold Share Money Market dividend rates are subject to change monthly.
Yes. A certificate generally requires you to leave your money deposited for a set term and may charge a penalty for early withdrawals. A Gold Share Money Market Account provides more flexible access to your savings, although monthly withdrawal limits apply.
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