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)1,7,8Balance to Earn Minimum APYMinimum to Open AccountDividend Rate4,6
Share/IRA Certificate - 6 months0.10%$500$5000.10%
0.15%$100,000$5000.15%
Share/IRA Certificate - 6 months Special4.89%$500$5004.80%
Share/IRA Certificate - 9 months - New Money (8)5.39%$5,000$5,0005.28%
Share/IRA Certificate - 12 months4.00%$500$5003.94%
4.05%$100,000$5003.99%
Share/IRA Certificate - 24 months3.75%$500$5003.70%
3.80%$100,000$5003.75%
Share/IRA Certificate - 36 months3.50%$500$5003.46%
3.55%$100,000$5003.50%
Share/IRA Certificate - 48 months3.25%$500$5003.21%
3.30%$100,000$5003.26%
Share/IRA Certificate - 60 months3.25%$500$5003.21%

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 1/1/2024 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 6 month certificate at 4.89% fixed APY is based on a dividend rate of 4.80%. The 9 month certificate at 5.39% fixed APY is based on a dividend rate of 5.28%. The minimum to open the 6 month certificate account and earn the stated APY is $500. The minimum to open the 9 month certificate account and earn the stated APY is $5,000 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 90 days dividends for certificates with maturities of six months, 180 days dividends for certificates with maturities of nine months, 180 days dividends for a 12 to 23 month certificate and a penalty equal to 365 days dividends for the 24 month and 36 month certificates. Certificates with maturities of 48 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. For accounts that automatically renew for another term, you have a grace period of 10 days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. The rates are accurate as of 12/31/2023 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.

(8) The 9 month certificate at 5.39% fixed APY is based on a dividend rate of 5.28% and a minimum deposit of $5,000. New money is defined as funds that are not currently held by HFCU in any share or deposit account. New money can be a rollover of an existing HFCU certificate with a minimum of $5,000 in new money added or a new certificate opened with non-Heritage Financial Credit Union funds with a minimum of $5,000.

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.