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Savings Rates

Savings Rates as of July 1, 2024

Share Account
Balance Dividend APY*
$5.00 & Up 0.05% 0.05%
Money Market Account
Balance Dividend APY*
$2,000.00 - $24,999.99 0.075% 0.075%
$25,000.00 & Up 0.125% 0.125%

$2,000.00 Minimum

Open a Money Market Account

Term Share Accounts (CDs)
Term Dividend APY*
6 Months 1.00% 1.00%

12 Months

1.05% 1.05%
15 Months 5.053% 5.15%
24 Months 4.425%


$500.00 Minimum

IRA Accumulative & Rollover Accounts
Balance Dividend APY*
$5.00 - $24,999.99 2.27% 2.29%
$25,000.00 & Up 2.50% 2.52%

$100.00 Minimum

Become a Member

*APY = Annual Percentage Yield. Interest compounded daily, paid quarterly. $500 minimum deposit, new money only. New money is defined as money not currently on deposit with Heritage USA FCU. Certificate of Deposit auto-renews unless instructed by the depositor. The interest rate on a Certificate of Deposit is fixed. Advertised CD rates are subject to change at any time and not guaranteed until the CD is opened. Some exceptions may apply. A copy of the Truth in Savings Disclosures will be provided before you open your account or is available at any time upon request. Penalty for early withdrawal and fees could reduce earnings with Traditional Certificate of Deposit. IRA Certificate deposits and withdrawals subject to IRS guidelines. Withdrawal of earnings could reduce APY. The dividend rate and APY may change at any time, as determined by the Credit Union Board of Directors. Federally Insured by NCUA. Membership required. Must be or become a member of Heritage USA Federal Credit Union for eligibility. Membership subject to qualifications including minimum $5 share deposit.