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One-Time Passwords NEW

With the ever-increasing threat of cyberattacks, United Heritage Credit Union is taking every step possible to protect our members' data. One way we are doing this is by implementing one-time passwords (OTPs) for member identification verification when contacting the Credit Union. Click here to learn more about what to expect.
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Certificate of Deposit (CD) Accounts

Similar to a savings account, a Certificate of Deposit (CD) is a great option for putting aside money while earning interest. With fixed dividend rates and terms ranging from three months to five years, our CDs give you flexibility and a higher yield than a savings account.
 

4.06% APY

12 month CD

4.13% APY

18 month CD

3.86% APY

24 month CD

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CD Features

  • $1,000 minimum opening balance
  • No monthly fee
  • No service charge
  • No administration fees
  • Dividends paid quarterly
  • Tiered interest rates
  • Insured up to $250,000
  • Withdraw dividends before maturity without penalty
  • Terms available for 3, 6, 12, 18, 24, 36, 48 and 60 months

Ready to start saving? Open a CD today!

Current Member CD Application New Member CD Application

Fixed-Rate Certificate of Deposit Rates

Effective 6/2/2023

Term APY Dividend Rate Dividend Pay & Compound Minimum to Open Minimum Balance
3 Months 0.60% 0.60% N/A $1,000 $1,000
6 Months 2.02% 2.00% N/A $1,000 $1,000
12 Months 4.06% 4.00% Quarterly $1,000 $1,000
18 Months 4.13% 4.07% Quarterly $1,000 $1,000
24 Months 3.86% 3.80% Quarterly $1,000 $1,000
36 Months 3.03% 3.00% Quarterly $1,000 $1,000
48 Months 3.03% 3.00% Quarterly $1,000 $1,000
60 Months 3.29% 3.25% Quarterly $1,000 $1,000

Three month Certificate of Deposits (CDs) are not compounded. Dividends are credited at maturity. All other CDs are compounded quarterly.
Membership/Regular Savings account required.
Dividend rates and annual percentage yields are subject to change at any time.
Fees may reduce earnings.
Early withdrawal subject to loss of dividends.
See Fee Schedule for applicable fees if balance drops below minimum.

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Financial Tips

Adopt good financial habits

Whether you're just starting out on your own or considering retirement, there are several financial tips that apply to everyone.

  • Set Specific Goal(s)
  • Make a Budget
  • Save / Invest
  • Pay Off High-Interest Debt
  • Insure Yourself
  • Consider Buying a Home
  • Diversify Investments
  • Create a Will
  • Focus on Life Stages

Learn More

Current Members - Open a CD Today

Membership/Regular Savings required.
APY = Annual Percentage Yield
Programs (including without limit, fees, rates and features) are subject to change without notice.
See Rates & Fees for current dividends. Fees may reduce earnings.
See Fee Schedule for applicable fees.
Early withdrawal subject to loss of dividends.