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Highmark Federal Credit Union

Personal Savings

The more you save, the more you earn!

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




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.


KPiggy bank icon.asasa Saver

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

  • 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 $50,000
  • 0.25% APY on balances over $50,000 depending on balance in account
  • 0.05% APY if qualifications are not met

Christmas Club Account

Saving a little each month for Christmas shopping has never been easier! 
Our Christmas Club Account is a perfect savings plan for shoppers of all ages, from the young to the mature.

  • Minimum opening deposit $0.00
  • Minimum balance to earn dividends $25.00
  • Funds are automatically transferred on or around October 15th of each year.

Vacation Club Account

Saving a little each month for a vacation is the best way to start your travel plans.  Our Vacation Club Account is a perfect savings plan for members who love to travel.

  • Minimum opening deposit $0.00
  • Minimum balance to earn dividends $25.00
  • Funds are automatically transferred on or around May 15th of each year.

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.  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 $500.00
  • Terms 3 to 60 months.

Money Market Accounts 

Highmark Credit Union offers two kinds of money market accounts, depending on your financial goal. 
1. Smart Choice Account  - minimum $25.00; Goal: Build nest egg
2. Performance Account (formerly called Elite) - minimum $25,000; Goal: maximize earnings

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. 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

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

Youth Savings Accounts

Teen Accounts

Our Teen Club Account is designed for teens aged 13-19 years old.  A parent or legal guardian must be a joint owner on the account; however, they do not need to be members of Highmark CU.  All of our savings and investment products are available to Teen Club account holders. And be sure to select from our wide variety of high school Spirit Cards.

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

Pee Wee Penguin Club

Our Pee Wee Penguin Club is designed for children age 0-12 old. The Pee Wee Penguin Young Saver’s 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

Join Our Highmark Credit Union Community

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