Last Updated: 04/18/2025
Mountain Heritage FCU IRA
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APY (Annual Percentage Yield)
0.90%(Verified 07/13/2024)
Minimum Opening Deposit
$0
Minimum Balance to Earn APY
N/A
Mountain Heritage FCU IRA Review
Mountain Heritage FCU IRA is offered by Mountain Heritage Federal Credit Union, a credit union founded in 1958 and based in Parkersburg, WV. Mountain Heritage FCU IRA are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- Higher than average APY. Mountain Heritage FCU IRA has an annual percentage yield of up to 0.90%, which is higher than the average interest rate for savings accounts.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No minimum initial deposit. There is no minimum balance required to open an account online.
Mountain Heritage FCU IRA Pros & Cons
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Mountain Heritage FCU IRA FAQ
Are savings accounts from Mountain Heritage Federal Credit Union federally insured?
Yes, your savings accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
Does Mountain Heritage Federal Credit Union offer a signup bonus?
Mountain Heritage FCU IRA doesn't offer a signup bonus.
What is the minimum initial deposit for Mountain Heritage FCU IRA?
There is no minimum deposit to open a Mountain Heritage FCU IRA.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What APY does Mountain Heritage FCU IRA offer?
Mountain Heritage FCU IRA offers an APY of 0.90% (APY stands for annual percentage yield, rates may change).
The interest rate on a savings account or checking account can change based, in part, on what the Federal Reserve does. Note that the APY of a savings account is the amount of interest you will earn if you keep your money in the account for a full year expressed as a percentage. The difference between an APY and an interest rate is that the APY takes into account how often your money earns interest (or compounds). The more often your money compounds, the more it will earn. Savings accounts with an interest rate that compounds daily, for example, will earn a higher return (and therefore a higher APY) than savings accounts that compound annually. What fees does Mountain Heritage FCU IRA charge?
Mountain Heritage FCU IRA does not charge a monthly service fee. See the fee breakdown section below to view all fees.
- An overdraft on your account will trigger a $28.00 fee per item.
Does Mountain Heritage FCU IRA charge overdraft fees?
Yes, Mountain Heritage FCU IRA charges a $28.00 overdraft fee.What features and perks does Mountain Heritage FCU IRA offer?
This savings account includes the following features:
- Nationwide ATM network - Conveniently transact at a nearby ATM.
Can you set up a direct deposit to Mountain Heritage FCU IRA?
Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.
What is the customer support email for Mountain Heritage FCU IRA?
The customer support email for Mountain Heritage FCU IRA is sfeick@mhfcu.net.
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Hours of Operation
Sunday
Closed
Monday
7:30AM - 5:30PM
Tuesday
7:30AM - 5:30PM
Wednesday
7:30AM - 5:30PM
Thursday
7:30AM - 12:00PM
Friday
7:30AM - 5:30PM
Saturday
Closed