9 Month Certificate with 

$5,000 New Money

6 Month Certificate

Get a certificate today and guarantee your rate for the term you choose.

Annual Percentage

Yield (APY)(1,7,8)










6 months

6 months

9 months 

12 months

24 months

36 months

 48 months

60 months

Min. To Open Account










Rate (4,6)









What is a Certificate?

A certificate is a savings product that earns interest on a lump sum for a fixed period of time. At HFCU our fixed periods or “terms”, range from 6 months to 60 months. Certificates differ from savings accounts because the money must remain untouched for the entirety of their term or risk penalty fees or lost interest. At the end of your certificate term, there is a 10 day period for you to take your money out or have it roll over into another certificate term.

Certificates usually have higher interest rates than savings accounts as well. Check out our rates today! Submit an inquiry in the form above or give us a call at 845.561.5607 to speak with a team member today.

(1)Any 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.

(2)Average daily balance per checking share. Minimum to open account is $0.00.

(3) All accounts must be in good standing in order to receive the stated Dividend Rate. Good standing means you have on deposit at least the par value of one full share in the regular share savings account, have no delinquent loans (payment is not more than 30 days late), and have a positive balance in all share accounts. Use of electronic services, minimum balance, and loan balances are required to earn reward APYs. If you do not qualify for a reward APY (minimum Reward, Basic), you will earn the basic reward default APY.

(4)Dividends are compounded quarterly and credited quarterly.

(5)Dividends are compounded monthly and credited monthly.

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

(7) APY is the Annual Percentage Yield. The 6 month certificate at 4.50% fixed APY is based on a dividend rate of 4.43%. The 9 month certificate at 5.00% fixed APY is based on a dividend rate of 4.91%. The minimum to open the 6 month account and earn the stated APY is $500. The minimum to open the 9 month account and earn the stated APY is $5,000. 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 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 4/1/2024 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) 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.

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