Credit union · NCUA insured
Heritage Community Credit Union CD Rates
Heritage Community Credit Union’s best CD rate is 4.40% APY on a 22-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Heritage Community Credit Union’s CD rates compare
Compared with banks and credit unions near Sacramento, CA, where Heritage Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Heritage Community Credit Union
4.40%APY
- Term
- 22 months
- Minimum
- $1,000
- Earns on $10,000
- $821
Share Certificates
Top rate
Ukrainian Federal Credit Union
4.50%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,412
3rd-highest rate
Citizens National Bank of Texas
4.33%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $433
Heritage Community Credit Union CD score
93
CD score
Higher than 94% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo4.20%
- 16–30 months16–30 mo4.40%
- 31–60 months31–60 mo3.80%
- QualifiedQualified4.40%
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 Heritage Community 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.
Share Certificates
Up to 4.40%APY · 9 terms
Minimum opening deposit $1,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.70% | $91 |
| 6 months | 3.80% | $188 |
| 9 months9 Month Special | 4.20% | $313 |
| 12 months | 3.80% | $380 |
| 22 months22 Month Special | 4.40% | $821 |
| 24 months | 3.80% | $774 |
| 36 months | 3.80% | $1,184 |
| 48 months | 3.80% | $1,609 |
| 60 months | 3.80% | $2,050 |
Sources (1)
- heritageccu.com/resources-tools/tools/rates.html · captured Oct 16, 2026
Wealth Builder Share Certificate
3.75%APY · 1 term
Monthly automatic deposit of $25.00 required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMonthly automatic deposit of $25.00 required | 3.75% | $375 |
Sources (2)
- heritageccu.com/accounts/perso…re-certificates-cds.html
- heritageccu.com/resources-tools/tools/rates.html
All captured Oct 16, 2026
Special-purpose accounts
IRA Share Certificates
3.80%APY · 5 terms
Available within traditional and Roth IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.80% | $380 |
| 24 months | 3.80% | $774 |
| 36 months | 3.80% | $1,184 |
| 48 months | 3.80% | $1,609 |
| 60 months | 3.80% | $2,050 |
Sources (1)
- heritageccu.com/resources-tools/tools/rates.html · captured Oct 16, 2026
Who can join Heritage Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Sacramento, Placer, El Dorado, Yolo, and San Joaquin Counties.
Employers and groups
- Membership is open to any California resident who is a member of the affiliated organization, the Financial Fitness Association (which can be selected during the online application process).
Membership information collected October 5, 2026.