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Annual Percentage

Yield (APY)(1,7)









6 months

12 months

18 months

24 months

36 months

 48 months

60 months

Min. To Open Account









Rate (4,6)








New Money Offer!


Receive a 4.50% APY if you have additional new money that you'd like to add to an existing or new 24 Month Certificate! A minimum of $10,000 in New Money is required to take advantage of this offer. Fill out the form below for more information. 

I want more information on your Certificate rates.

Fill out the form below and an HFCU team member will contact you shortly with more information in regards to our certificate rates.

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 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.

(2)Average daily balance per checking share. Mininum 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 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 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.    The 36 month certificate at 2.50% fixed APY is based on a dividend rate of 2.49%. The 48 month certificate at 2.75% fixed APY is based on a dividend rate of 2.74%. The 60 month certificate at 3.00% fixed APY is based on a dividend rate of 2.99%.The minimum to open the account and earn the stated APY is $500. 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.

(8) New 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.

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