Give your savings a boost. Open a certificate today.
Heritage certificates (commonly referred to as a Certificate of Deposit or a bank CD) offer a fixed rate of return with a higher dividend rate than a savings account.
Earn more with our 15 Month Certificate Special.
APY: 0.600%* | Rate: 0.599%
Benefits of a Heritage certificate.
With terms of 6 months to 4 years, use a certificate as a flexible savings tool for retirement, education expenses or a home purchase. Or, use the dividends (paid out quarterly for terms of at least 1 year) for additional income. Deposits are federally insured up to $250,000 by the National Credit Union Administration.
Tip! Save more with a certificate laddering strategy.
Use a certificate laddering strategy to take advantage of higher rates without tying up all of your investment long-term.
Example: If you have $30,000 to invest, put $10,000 into a 1-, 2-, and 3- year certificate. As the 1-year certificate comes due, you are able to access those funds if needed, or keep the ladder going by renewing it for a 3-year certificate at a higher rate. From that point, a certificate will renew every year, giving you the option of using those funds or renewing for a 3-year term.
**Rates listed effective as of August 13, 2020. Minimum investment may be required. Rates and offers subject to change and can end without notice. Certificates may have penalty for early withdrawal. Fees may reduce earnings on the account.