Credit union · NCUA insured
Country Heritage Credit Union CD Rates
Country Heritage Credit Union’s best CD rate is 1.31% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Country Heritage Credit Union’s CD rates compare
Compared with banks and credit unions near Niles, MI, where Country Heritage Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Country Heritage Credit Union
1.31%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $672
Certificate of Deposits
Top rate
Everwise Credit Union
4.47%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $562
2nd-highest rate
Flagstar Bank
4.30%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $430
Country Heritage Credit Union CD score
61
CD score
Higher than 5% of U.S. banks and credit unions
- 3–8 months3–8 mo0.91%
- 9–15 months9–15 mo0.90%
- 16–30 months16–30 mo1.21%
- 31–60 months31–60 mo1.31%
- QualifiedQualified1.31%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Country Heritage Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
Certificate of Deposits
Up to 1.31%APY · 10 terms
Jumbo rates ($100,000.00 & over) are negotiable. Minimum certificate of deposit for minors is $500.00. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–6 monthsTerm: 91-181 Days. Minimum deposit is $1,000.00 ($500.00 for minors) | 0.75% | $19 |
| 6 monthsTerm: 182 Days. Minimum deposit is $1,000.00 ($500.00 for minors) | 0.91% | $45 |
| 12 monthsTerm: 12 Months. Minimum deposit is $1,000.00 ($500.00 for minors) | 0.90% | $90 |
| 18 monthsTerm: 18 Months. Minimum deposit is $1,000.00 ($500.00 for minors) | 1.00% | $150 |
| 24 monthsTerm: 24 Months. Minimum deposit is $1,000.00 ($500.00 for minors) | 1.11% | $223 |
| 27 monthsTerm: 27 Months. Minimum deposit is $1,000.00 ($500.00 for minors) | 1.21% | $274 |
| 30 monthsTerm: 30 Months. Minimum deposit is $1,000.00 ($500.00 for minors) | 1.01% | $254 |
| 36 monthsTerm: 36 Months. Minimum deposit is $1,000.00 ($500.00 for minors) | 1.01% | $306 |
| 48 monthsTerm: 48 Months. Minimum deposit is $1,000.00 ($500.00 for minors) | 1.21% | $493 |
| 60 monthsTerm: 60 Months. Minimum deposit is $1,000.00 ($500.00 for minors) | 1.31% | $672 |
Sources (1)
- countryheritagecu.com/saverate.html · captured Sep 18, 2026
I.R.A. Certificate of Deposits
Up to 1.31%APY · 7 terms
Minimum I.R.A. Certificate of Deposit is $200.00. Interest is paid quarterly or annually.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–6 monthsTerm: 91-181 Days. Interest is paid quarterly or annually | 0.75% | $19 |
| 6 monthsTerm: 182 Days. Interest is paid quarterly or annually | 0.91% | $45 |
| 12 monthsTerm: 12 Months. Interest is paid quarterly or annually | 0.91% | $91 |
| 24 monthsTerm: 24 Months. Interest is paid quarterly or annually | 1.10% | $221 |
| 36 monthsTerm: 36 Months. Interest is paid quarterly or annually | 1.00% | $303 |
| 48 monthsTerm: 48 Months. Interest is paid quarterly or annually | 1.21% | $493 |
| 60 monthsTerm: 60 Months. Interest is paid quarterly or annually | 1.31% | $672 |
Sources (1)
- countryheritagecu.com/saverate.html · captured Sep 18, 2026
Who can join Country Heritage Credit Union
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