Invest in your own heritage

Heritage Financial Credit Union has the experience and tools to uncover new avenues for your financial well-being and growth, now and into the future. To explore your investment opportunities with HFCU, visit us at your nearest branch location, which can be found here.

Certificates Tailored to meet your goals

Earn a guaranteed dividend rate on your investment. HFCU has competitive dividends, which means you earn more. We offer short and long-term certificates, each tailored to meet your financial goals. Plus, you can save time with automatic renewal at maturity.

TermAnnual Percentage Yield (APY)1,7Balance to Earn Minimum APYMinimum to Open AccountDividend Rate4,6
Share/IRA Certificate - 6 months0.10%$500$5000.10%
Share/IRA Certificate - 12 months0.15%$500$5000.15%
Share/IRA Certificate - 18 months4.00%$500$5003.94%
Share/IRA Certificate - 24 months4.25%$500$5004.18%
Share/IRA Certificate - 24 months - New Money4.50%$10,000$10,0004.43%
Share/IRA Certificate - 36 months2.50%$500$5002.48%
Share/IRA Certificate - 48 months2.75%$500$5002.72%
Share/IRA Certificate - 60 months3.00%$500$5002.97%

Certificate Accounts Disclosure

1Any Annual Percentage Yield (APY) provided in this disclosure assumes dividends will remain on deposit for at least one year for accounts with terms. Rates are effective as of 9/21/2021 and are subject to change at any time without notice. You may contact the Credit Union at (845) 561-5607 for current rate information. Fees, withdrawals, or other conditions could reduce earnings on any account. Rates may chance after account opening. Rates are determined at the discretion of the Board of Directors of the Credit Union. Dividends are paid from current income and available earnings. All accounts are subject to the applicable terms and conditions set forth in the Membership Agreement & Disclosures, the Fee Schedule, and any agreement to which the Truth in Savings Disclosure and Membership Agreement references.

4Dividends are compounded quarterly and credited quarterly.

6A substantial penalty will be assessed for early withdrawal. Fixed rates for accounts with specific maturities are in effect until maturity.

7APY is the Annual Percentage Yield. The 18 month certificate at 1.75% fixed APY is based on a dividend rate of 1.74%. The 24 month certificate at 3.00% fixed APY is based on a dividend rate of 2.97%. The minimum to open the account and earn the stated APY is $500. The New Money 24 month certificate at 3.50% APY is based on a dividend of 3.46% and the minimum to open the account and earn the stated APY is $10,000 of new money.   Withdrawals, maintenance or activity fees will reduce stated earnings. Withdrawals of accrued dividends are permissible and will not incur a penalty. Withdrawals of principal will result in a penalty equal to 180 days’ dividends for the 18 month certificate and a penalty equal to 365 days’ dividends for the 24 month and 36 month certificates.  Certificates with maturities of four to five years are subject to a penalty equal to 540 days. This penalty is applied whether or not the dividends have been accrued. The rates are accurate as of 10/3/2022 and are subject to change at any time. This is a limited-time offer and may be withdrawn at any time. This is offer is available for personal or business purposes, IRA, and Coverdell Education Savings accounts.

8New money is a rollover of an existing HFCU certificate with a minimum of $10,000 in new money added or a new certificate opened with non-Heritage Financial Credit Union funds with a minimum of $10,000.

Certificates FAQ

To purchase a certificate, visit us at your nearest branch location, or get started with one of our jumpstart forms.

HFCU offers a variety of certificates to best fit your needs. Please refer to the certificates table for more information.

The Annual Percentage Yield on a certificate varies. It can range anywhere from 0.40% to 2.00%.

The minimum balance to earn APY depends on the type of certificate and ranges from $500 to $10,000. Please refer to the certificates table for more information.

The minimum amount of money needed to purchase a certificate varies from $500 to $10,000, depending on the level of the account. However, you are required to have a savings account with a minimum $5 balance. Please refer to the certificates table for more information.

The dividend rate ranges from 0.40% to 1.99% depending on the type of certificate account. Please refer to the certificates table for more information.