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)*Balance to Earn Minimum APYMinimum to Open AccountDividend Rate
Share/IRA Certificate - 6 months0.25%$500$5000.25%
0.35%$100,000$5000.35%
Share/IRA Certificate - 12 months0.40%$500$5000.40%
0.50%$100,000$5000.50%
Share/IRA Certificate - 24 months0.60%$500$5000.60%
0.70%$100,000$5000.70%
Share/IRA Certificate - 36 months0.80%$500$5000.80%
0.90%$100,000$5000.90%
Share/IRA Certificate - 48 months0.90%$500$5000.90%
1.00%$100,000$5001.00%
Share/IRA Certificate - 60 months1.00%$500$5001.00%
1.10%$100,000$5001.10%

Certificate Accounts Disclosure

* Any Annual Percentage Yield (APY) provided in this disclosure assumes dividends will remain on deposit for at least one year for accounts with terms. A withdrawal will reduce earnings. A substantial penalty will be assessed for early withdrawal. Fixed rates for accounts with specific maturities are in effect until maturity. Rates are determined at the discretion of the Board of Directors of the Credit Union. Dividends are paid from current income and available earnings. Rates are subject to change at anytime without notice. Dividends are compounded quarterly and credited quarterly. You may contact the Credit Union at (845) 561-5607 for current rate information. 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.

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.