4.24% APY for an 11-month CD with United Heritage Credit Union.

4.39% APY on a 15-month CD from United Heritage Credit Union.

Lock in our best rates

Looking ahead starts today

Entrusting a financial institution with your savings is an important decision. That's why at United Heritage, we pair competititve CD rates with the strength of NCUA insurance, transparent pricing with no hidden fees, and a hospitality-first commitment to caring for you. It's the confidence of knowing your money is protected today while growing for tomorrow.

  • Competitive interest rates
  • No monthly fee
  • No service charge
  • No administration fees
  • Dividends paid quarterly
  • Insured up to $250,000

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Membership required. New money only; funds currently on deposit at UHCU are not eligible. Offer available through August 14, 2026, and may be modified or withdrawn without notice before account opening.

The 11-month promotional Certificate earns 4.24% APY and requires a minimum opening deposit and minimum principal balance of $1,000. The 15-month promotional Certificate earns 4.39% APY and requires a minimum opening deposit and minimum principal balance of $150,000. The applicable minimum principal balance must be maintained throughout the term to earn the advertised APY.

Promotional Certificates automatically renew at maturity into a standard 12-month Certificate at the then-current rate unless otherwise directed during the applicable grace period. APY = Annual Percentage Yield. CD = Certificate of Deposit. UHCU policies, terms, conditions and restrictions apply.