Credit union · NCUA insured
Heritage Credit Union CD Rates
Heritage Credit Union’s best CD rate is 4.00% APY on a 7-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Heritage Credit Union’s CD rates compare
Compared with banks and credit unions near Evansville, IN, where Heritage Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Heritage Credit Union
4.00%APY
- Term
- 7 months
- Minimum
- $2,500
- Earns on $10,000
- $231
Certificates
Top rate
Banterra Bank
4.40%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,379
2nd-highest rate
Indiana Members Credit Union
4.35%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $472
Heritage Credit Union CD score
80
CD score
Higher than 52% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo2.25%
- 31–60 months31–60 mo2.50%
- QualifiedQualified4.00%
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 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.
Certificates
Up to 4.00%APY · 11 terms
| Term | APY · $500 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months91 Day term. Early withdrawal penalties may be imposed | — | 1.75% | 1.75% | $43 |
| 6 monthsEarly withdrawal penalties may be imposed | — | 1.75% | 1.75% | $87 |
| 7 monthsLimited time special. Early withdrawal penalty equals 90-days dividend on the amount withdrawn | — | 4.00% | 4.00% | $231 |
| 12 monthsEarly withdrawal penalties may be imposed | 2.00% | — | 2.00% | $200 |
| 13 monthsLimited time special. Early withdrawal penalty equals 180-days dividend on the amount withdrawn | — | 3.75% | 3.75% | $407 |
| 18 monthsEarly withdrawal penalties may be imposed | 2.10% | — | 2.10% | $317 |
| 24 monthsEarly withdrawal penalties may be imposed | 2.25% | — | 2.25% | $455 |
| 30 monthsEarly withdrawal penalties may be imposed | 2.25% | — | 2.25% | $572 |
| 36 monthsEarly withdrawal penalties may be imposed | 2.50% | — | 2.50% | $769 |
| 48 monthsEarly withdrawal penalties may be imposed | 2.50% | — | 2.50% | $1,038 |
| 60 monthsEarly withdrawal penalties may be imposed | 2.50% | — | 2.50% | $1,314 |
Sources (3)
- heritagefederal.org
- heritagefederal.org/personal-b…ts/certificates-and-iras
- heritagefederal.org/personal-b…-rates/certificate-rates
All captured Sep 18, 2026
Who can join Heritage 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 the designated field of membership counties across Indiana, Kentucky, and Illinois.
Employers and groups
- Membership is open to Heritage employees.
Family and household
- Membership is open to anyone who has an immediate family member who is a current member, or who resides in the same household as a current member of Heritage.
Other ways
- Business membership eligibility is limited to businesses located in field of membership counties.
Membership information collected October 5, 2026.