STARS, STRIPES & SAVINGS! 

Earn Up To

APY*

on a 4-Month Certificate 

when opened with a qualifying account OR

$2,500 new money** 

Effective 7/1/2026

Just want to earn 4.00% APY*? 

If you simply want to open the 4-Month Certificate special without $2,500 in new money** or opening a qualifying account, you will earn 4.00% APY*. 

Lock In a Great Rate!

Earn up to  4.25% APY* on your 4 Month Certificate

Open a qualifying High Yield Checking or Savings or Cash Back Checking account at the same time you open your 4-Month Certificate OR add $2,500 new money** to your certificate. 

It’s an easy way to maximize your earnings! 

Why Choose Our 4-Month Certificate?

Whether you’re saving for a short-term goal or looking for a secure way to grow your funds, our 4-Month Certificate offers:

• Short-Term Flexibility
• Enjoy the benefit of a fixed return without locking up your money long term.
• Competitive Earnings
• Take advantage of a strong promotional rate, plus an additional 0.25% APY when meeting qualifications
• Simple Opening Process
• Get started with as little as $500

How to Qualify

Standard 4-Month Certificate Offer

• Open a 4-Month Certificate
• Minimum to open is $500
• Earn 4.00% APY*

To Receive 4.25% APY*

• Open a qualifying High Yield Checking or Savings or Cash Back Checking account at the same time as your Certificate OR add $2,500 in new money**

Frequently Asked Questions

What is considered “new money”?

New money refers to funds not currently on deposit at HFCU.

What is the minimum opening deposit?

HFCU certificates have a standard minimum to open of $500. 

Are there penalties for early withdrawal?

Yes. Early withdrawal penalties may apply and could reduce earnings.

*APY means Annual Percentage Yield. The 4-month certificate earns a fixed 4.00% APY, based on a 3.94% dividend rate. Minimum certificate opening deposit is $500. To earn the 4.25% APY, based on a 4.17% dividend rate, members must open a qualifying Heritage High Yield Checking or Cash Back Checking account or deposit $2,500 in new money into an existing HFCU account when the 4- month certificate is opened. **New money means funds not currently on deposit with HFCU. Transfers from existing HFCU accounts, or funds withdrawn and redeposited within 30 days, do not qualify. Additional deposits are not permitted after opening. Dividends may be withdrawn without penalty at quarter end. Principal withdrawals before maturity are subject to an early withdrawal penalty. IRA certificate withdrawals are not permitted and may be subject to penalty; IRA dividends may be withdrawn subject to penalty. Automatically renewing certificates have a 10-day grace period after maturity to withdraw funds or make changes without penalty. The 4-month special renews into HFCU’s standard certificate product for the applicable term then offered, unless otherwise disclosed. Early withdrawal penalties are 90 days’ dividends for 1–12 month terms, 180 days’ dividends for 13–23 month terms, 365 days’ dividends for 24–36 month terms, and 540 days’ dividends for 37–60 month terms, whether or not dividends have been earned or accrued. Fees could reduce earnings. Rates may change before account opening. Limited-time offer; may be withdrawn at any time. Available for personal and business accounts, including IRA and Coverdell Education Savings accounts, subject to eligibility.

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