APY*

APY*

OR TAKE ADVANTAGE OF OUR BONUS OFFER & EARN UP TO

$2,500 new money** required

$2,500 new money** required

Effective 5/11/2026

Lock In a Great Rate!

Grow your savings with a competitive fixed-rate 5-Month Certificate at 3.85% APY* designed to help you earn more in less time.

• $2,500 new money** required
• Guaranteed fixed rate for 5 months

Bonus Offer: Earn an Additional 0.15% APY and earn 4.00% APY* on your 5 Month Certificate

Open a qualifying High Yield or Cash Back checking account at the same time you open your 5-Month Certificate and receive a 0.15% APY rate bump.

It’s an easy way to maximize your earnings while enjoying the convenience of a new checking relationship.

Why Choose Our 5-Month Certificate?

Whether you’re saving for a short-term goal or looking for a secure way to grow your funds, our 5-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 0.15% APY when paired with a new qualifying checking account.
• Simple Opening Process
• Get started with as little as $2,500 in new money.

How to Qualify

Standard 5-Month Certificate Offer

• Open a 5-Month Certificate

• Deposit at least $2,500 in new money

To Receive the 0.15% APY* Bonus

• Open a qualifying checking account at the same time as your Certificate

• Maintain eligibility requirements, if applicable

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?

A minimum of $2,500 in new money is required to open the 5-Month Certificate.

How do I receive the additional 0.15% APY?

You must open a qualifying High Yield or Cash Back checking account at the same time you open your 5-Month Certificate.

Are there penalties for early withdrawal?

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

*APY is the Annual Percentage Yield. The 5 month certificate at 3.85% fixed APY is based on a dividend rate of 3.80%. The minimum to open the account and earn the stated APY is $2,500 in new money. **“New money” is defined as funds not currently on deposit with HFCU. Transfers from existing HFCU accounts do not qualify. Funds withdrawn from an existing HFCU account and redeposited within 30 days do not qualify as new money. Withdrawals of dividends on share certificates are allowed at quarter end. The additional 0.15% APY to earn the 4.00% APY with a dividend rate of 3.94% applies when a qualifying Heritage High Yield or Cash Back checking account is opened simultaneously with the 5-Month Certificate. Withdrawals of principal are allowed with substantial penalty for early withdrawal. Early withdrawals from IRA accounts are not allowed and will result in a penalty. Dividends from IRA share certificates can be withdrawn, but will be subject to a penalty. For share certificate accounts that automatically renew for another term, there is a grace period of 10 days after maturity in which to withdraw funds or makes changes to the share certificate account without being charged an early withdrawal penalty. The 5 month certificate special will automatically renew into their standard certificate rate with the appropriate 5 month term. Withdrawals of credited dividends are allowed without penalty at quarter end. Withdrawals of principal will result in a penalty equal to 90 days dividends for certificates with maturities of one month to 12 months, 180 days dividends for 13 to 23 month certificates and a penalty equal to 365 days dividends for the 24 to 36 month certificates. Certificates with maturities of 37 months to 60 months are subject to a penalty equal to 540 days. This penalty is applied whether or not the dividends have been accrued. Transaction Limitation for share certificates; after the account is opened, additional deposits are not allowed. This penalty is applied whether or not the dividends have been accrued. The rates are subject to change at any time. This is a limited-time offer and may be withdrawn at any time. This offer is available for personal or business purposes, IRA, and Coverdell Education Savings accounts.

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