Certificates
Make your money grow!
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, contact us or open a certificate today by clicking the buttons below.
Certificates Tailored to Meet YOUR Goals
Earn a guaranteed dividend rate on your investment. HFCU offer competitive dividend rates, which means you have the opportunity to earn more on your money. We offer short and long-term certificates, each tailored to meet your financial goals. Plus, you can save time with automatic renewal at maturity. See our rates below!
| Term | Annual Percentage Yield (APY)1, 7, 8 | Balance to Earn Minimum APY | Minimum to Open Account | Dividend Rate4,6 |
|---|---|---|---|---|
| Share/IRA Certificate Special – 4 Months | 4.25%7 | $500 | $500 | 4.17% |
| Share/IRA Certificate – 6 months | 1.25% | $500 | $500 | 1.24% |
| 1.30% | $100,000 | $500 | 1.29% | |
| Share/IRA Certificate – 7 months | 3.40% | $500 | $500 | 3.36% |
| Share/IRA Certificate Special – 12 months | 3.75% | $500 | $500 | 3.70% |
| Share/IRA Certificate – 24 months | 3.00% | $500 | $500 | 2.97% |
| 3.05% | $100,000 | $500 | 3.02% | |
| Share/IRA Certificate – 36 months | 2.75% | $500 | $500 | 2.72% |
| 2.80% | $100,000 | $500 | 2.77% | |
| Share/IRA Certificate – 48 months | 2.50% | $500 | $500 | 2.48% |
| 2.55% | $100,000 | $500 | 2.53% | |
| Share/IRA Certificate – 60 months | 2.55% | $500 | $500 | 2.53% |
| 2.60% | $100,000 | $500 | 2.58% | |
What is a Certificate?
Certificates, also referred to as Share Certificates, are a type of savings account that allows you to hold a fixed amount of money for a set amount of time (term) and have HFCU pay you a fixed interest rate. Certificates are a low-risk way to earn interest and make your money grow! When the term approaches maturity, you can decide to withdraw your money or roll the money into another certificate to keep earning more.
Certificate Disclosures
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 2/3/2026 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. 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. For share certificate accounts withdrawals of principal are allowed with substantial penalty for early withdrawal. 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 a 13 to 23 month certificate 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.
7APY 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.
The 12 month certificate at 3.75% fixed APY is based on a dividend rate of 3.70%. The minimum to open the account and earn the stated APY is $500. Withdrawals, maintenance or activity fees will reduce stated earnings.
8 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 make changes to the share certificate account without being charged an early withdrawal penalty. Certificate specials will automatically renew into the standard certificate rate with the same certificate term. Withdrawals of credited dividends are allowed without penalty at quarter end. 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. 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.