Personal Savings

The more you save, the more you earn!

You want to maximize your savings, and Highmark can help. Whether you are looking for a basic savings account, a money market account, or short or long-term certificates of deposit, you can find the right solution here at Highmark. The beauty of being a credit union member is that you get the benefit of higher rates of return on deposit accounts.

Deposit Rates

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Savings Accounts

Our Share Savings Account establishes a person’s membership with Highmark Credit Union.
With the convenience of Direct Deposit or Payroll Deduction, members can specify a certain amount to be automatically deposited to any Share Account.

Kasasa Saver

Makes saving effortless. Get your Kasasa checking rewards automatically transferred into a dividend-earning savings account.

Christmas Club Account

Saving a little each month for Christmas shopping has never been easier!

Vacation Club Account

Saving a little each month for a vacation is the best way to start your travel plans.

Share Certificate Accounts

Our Share Certificate (Deposit) Accounts (CDs) are beneficial to those members who want a competitive fixed rate of interest and do not need to draw on their funds for at least 3 months.

IRA Account Options

We offer Traditional, Roth, and Educational (Coverdell Education Savings Accounts) IRAs at competitive rates in the form of Share Accounts or Certificate Accounts.

Teen Accounts

Our Teen Club Account is designed specifically for teens ages 13-19, providing the perfect opportunity to start building healthy financial habits early.

Pee Wee Penguin Club

Our Pee Wee Penguin Club is designed for children ages 0-12.

Money Market Savings

Highmark Credit Union offers two kinds of money market accounts, depending on your financial goal.

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Flexible Credit Options

Find the ideal credit card for your needs. Low interest rate, cash back or points rewards, and excellent member service.

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Free account that builds your savings effortlessly
Links to free Kasasa Cash or Kasasa Cash Back checking
NEW: 3.00% APY on balances up to $100,000
0.25% APY on balances over $100,000 depending on balance in account
0.05% APY if qualifications are not met

Our Christmas Club Account is a perfect savings plan for shoppers of all ages, from the young to the mature.

Our Vacation Club Account is a perfect savings plan for members who love to travel.

Remember, the longer the term on the share certificate, the higher the dividend. Members select the Certificate Account that is best suited for them based on amount, liquidity needs, and yield requirements.

Certificates are set up to automatically renew. If you are looking for a safe place to keep your funds that doesn't require putting them under the mattress, earns you interest, and allows you access to those funds without steep penalties, then our Certificate Deposit accounts (CDs) are a great option for you.

Minimum opening deposit $500.00
Minimum balance to earn dividends is $500.00
Terms 3 to 60 months.

We can also assist with IRA rollover or transfer from another institution.

Minimum opening deposit IRA Share: $25.00
Minimum deposit for IRA Certificate: $500.00
Terms for IRA CD’s 12 to 60 months

To find out how much interest you can earn with Highmark's outstanding rates, use this Certificate of Deposit Calculator. Just enter a few pieces of information and calculate your annual percentage yield (APY) and ending balance.

Insured Funds

The Share Insurance Estimator helps credit union members calculate their coverage under National Credit Union Share Insurance Fund. You can use the estimator to determine how to structure your accounts to include joint accounts, payable on death (POD) accounts, and others to receive coverage greater than the $250,000 that is NCUA’s standard maximum share insurance amount

For teens under 18, a parent or legal guardian must be a joint account holder. However, parents/guardians do not need to be members of Highmark Credit Union.

As a Teen Club account holder, you'll have access to all of our savings and investment products, helping you plan for the future. Plus, you can show your school pride by choosing from our wide selection of custom High School or College Spirit Cards

The Pee Wee Penguin Young Savers Club is designed to teach children the valuable lessons of saving in a fun way.

A parent or legal guardian must be a joint owner on the account, although they do not need to be members of Highmark CU. All of our savings and investment products are available to Pee Wee Penguin Club account holders.

Minimum opening deposit $25.00
Minimum balance to earn dividends $25.00

1. Smart Choice Account - minimum $25.00; Goal: Build a nest egg
2. Performance Account (formerly called Elite) - minimum $25,000; Goal: maximize earnings