Credit union · NCUA insured
HEFCU CD Rates
Top CarrotHEFCU’s best CD rate is 4.47% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How HEFCU’s CD rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where HEFCU has the most branches. $10,000, best rate first.
This credit union’s best
HEFCU
4.47%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $447
Share Certificates
Top rate
Monroe Savings Bank (Williamstown, NJ)
5.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $247
2nd-highest rate
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
HEFCU CD score
95
CD score
Higher than 98% of U.S. banks and credit unions
- 3–8 months3–8 mo4.33%
- 9–15 months9–15 mo4.47%
- 16–30 months16–30 mo3.95%
- 31–60 months31–60 mo3.95%
- QualifiedQualified4.47%
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 HEFCU 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.
Share Certificates
Up to 4.47%APY · 7 terms
Dividends are compounded and credited quarterly. Early withdrawal penalty applies (equals 180 days' dividends). CDs are prohibited from additional deposits after opening. Automatically renews on maturity date with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.33% | $214 |
| 9 months | 4.33% | $323 |
| 12 months | 4.47% | $447 |
| 24 months | 3.95% | $806 |
| 36 months | 3.95% | $1,232 |
| 48 months | 3.82% | $1,616 |
| 60 months | 3.82% | $2,059 |
Special-purpose accounts
Share Certificate IRA
Up to 4.47%APY · 7 terms
Early withdrawal penalty applies (equals 180 days' dividends). Prohibited from additional deposits after opening. Automatically renews on maturity date with a 10-day grace period. Tax advantages apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.33% | $214 |
| 9 months | 4.33% | $323 |
| 12 months | 4.47% | $447 |
| 24 months | 3.95% | $806 |
| 36 months | 3.95% | $1,232 |
| 48 months | 3.82% | $1,616 |
| 60 months | 3.82% | $2,059 |
Who can join HEFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligibility is open to employees whose employer offers HEFCU as a free employee benefit.
- Personal Members of the New Jersey Hospital Association (NJHA) are eligible for membership upon approval by NJHA and remittance of a one-time, $15 non-refundable dues payment to NJHA.
Family and household
- Spouses, significant others, children, parents, siblings, grandparents, or individuals living in the same household of an eligible person are eligible to join, whether that person becomes a member or not.
Cost to join
- A one-time, $15 non-refundable membership dues payment made payable to NJHA is required for those joining via NJHA Personal Membership.
- An initial deposit of at least $5 into a Primary Savings account is required to establish HEFCU membership.
Membership information collected October 5, 2026.