Rates Calculator

Get a higher rate than regular savings with this investment.

Share Certificate Details
  • 12 month special - 2.50% APY*
  • Fixed rates, higher than regular savings
  • Receive higher rates by selecting a longer-term
  • Set aside for future savings goals
  • A wide range of terms available (from 3 months to 5 years)
  • Penalty for early withdrawal
  • Renews automatically upon maturity
  • $1,000 minimum deposit to open
  • Federally insured by NCUA up to $250,000


*APY = Annual Percentage Yield. Rates are effective as of August 18th 2022. Limited time only. The deposit must include at least 50% of the deposit to be new funds, not from an existing Heritage Community Credit Union account. The minimum opening deposit required for this account is $500, and the maximum deposit amount allowed is $300,000 per account and household. The dividend rate and annual percentage yield are fixed and will be in effect for the 12-month term of the account. Penalty for early withdrawal and fees may reduce earnings. 

Wealthbuilder Share Certificates

Choose this certificate to start out small, then add to it over the remaining term.

  • Fixed rates, higher than regular savings
  • Set aside for short-term savings goals
    • Only available in 12-month terms
  • No minimum balance to earn dividends
  • Add to your certificate at any time during the term1
  • Tiered rates reward higher balances
  • Federally insured by NCUA up to $250,000 

1Monthly automatic deposit of $25.00 required.