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Share Certificates

Share Certificates are a great savings option to consider if you have time to wait. By locking in your funds for a preset term, you can earn a high-yield fixed rate that is not subject to the swing of the market. If you're looking for a stable investment, a share certificate may be the solution you've been searching for. Features include:

  • $1,000 minimum opening balance
  • Dividends compounded and paid monthly
  • Tiered rates reward higher balances
  • Flexible maturity dates- choose from a variety of terms!

Certificate Special*

Craft Your Own Share Certificate and guarantee a high fixed rate with a term of your choosing. Then sit back and watch your money grow. The Certificate Special offers:

  • 1.75% APY*
  • Flexible terms - 27 to 60 months
  • $1,000 minimum deposit and $100,000 maximum deposit
  • Dividends compounded and paid monthly
  • Federally Insured by NCUA

*APY = Annual Percentage Yield. Throughout the term of this Share Certificate you must maintain an open checking account and your checking account must receive a minimum monthly direct deposit (by ACH) of at least $500, beginning within sixty (60) days of the opening date of this Account. If you fail to maintain your checking account or fail to maintain your minimum direct deposit during the term of this Account, your Account will be closed and we will impose the Early Withdrawal Penalty. The minimum deposit amount required to open this Account is $1,000, and the maximum deposit amount allowed, in aggregate, is $100,000 per individual member. In addition, at least fifty (50) percent of your minimum or maximum deposit amount must be “new money” not currently on deposit in any account at Heritage Community Credit Union. You must maintain the minimum balance to obtain the Annual Percentage Yield stated on this Share Certificate Receipt and Disclosure.

Wealthbuilder Certificate**

You can start out small, add to it over the year and watch it grow! The Wealthbuilder Certificate offers:

  • 12-month term
  • NO minimum opening deposit
  • NO minimum balance to earn dividends
  • ADD to your certificate at any time during the term
  • Tiered rates reward higher balances (based on current 12-month share certificate rates)

**Monthly automatic deposit of $25.00 required.

Use our savings calculators.

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