Credit union · NCUA insured
Heritage Family Credit Union CD Rates
Heritage Family Credit Union’s best CD rate is 3.25% APY on a 1-year share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 22, 2026.
How Heritage Family Credit Union’s CD rates compare
Compared with banks and credit unions near Rutland, VT, where Heritage Family Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Heritage Family Credit Union
3.25%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $325
Term Share Certificate
Top rate
Green Mountain Credit Union
4.25%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $246
2nd-highest rate
EastRise Credit Union
4.20%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $313
Heritage Family Credit Union CD score
67
CD score
Higher than 18% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo2.80%
- 31–60 months31–60 mo2.60%
- QualifiedQualified3.25%
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 Family 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.
Term Share Certificate
Up to 3.25%APY · 6 terms
Membership required ($25 minimum share). Starting minimum deposit is $1,000. Early withdrawal penalties apply. Cash withdrawals may be limited to $2,000.00 per day.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.75% | $68 |
| 6 months | 3.00% | $149 |
| 12 months | 3.25% | $325 |
| 18 months | 2.80% | $423 |
| 24 months | 2.70% | $547 |
| 36 months | 2.60% | $800 |
Sources (1)
- hfcuvt.com/rates/deposit-rates.html · captured Oct 22, 2026
Special-purpose accounts
IRA Term Share Certificates
Up to 3.25%APY · 6 terms
Membership required ($25 minimum share). Starting minimum deposit is $1,000. Early withdrawal penalties apply. Cash withdrawals may be limited to $2,000.00 per day.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.75% | $68 |
| 6 months | 3.00% | $149 |
| 12 months | 3.25% | $325 |
| 18 months | 2.80% | $423 |
| 24 months | 2.70% | $547 |
| 36 months | 2.60% | $800 |
Sources (1)
- hfcuvt.com/rates/deposit-rates.html · captured Oct 22, 2026
Closed to new customers
Premier Term Share Certificate
Up to 3.75%APY · 4 terms
Members must be Premier Checking Members in order to open Premier Term Share Certificates. Starting minimum deposit is $1,000. Membership required ($25 minimum share). Early withdrawal penalties apply. Cash withdrawals may be limited to $2,000.00 per day.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMust be a Premier Checking member. Reflects 0.50% APY bump over standard 12-month certificate | 3.75% | $375 |
| 18 monthsTerm: 18 Month | 3.30% | $499 |
| 24 monthsTerm: 24 Month | 3.20% | $650 |
| 36 monthsTerm: 36 Month | 3.10% | $959 |
Sources (1)
- hfcuvt.com/rates/deposit-rates.html · captured Oct 22, 2026
Who can join Heritage Family Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Businesses that are members of an organization within the field of membership, regularly conduct business in one of the municipalities, or are located/headquartered in one of the field of membership municipalities are eligible for business membership.
- Individuals who live, work, worship, attend school, volunteer, regularly conduct business, or are a member of an organization within the specified field of membership in Vermont, New Hampshire, New York, or Massachusetts are eligible for membership.
Family and household
- Individuals who are immediate family members of a current member or live in a household with a current member are eligible for membership.
- Surviving spouses of members who passed away while in the credit union's field of membership are eligible for membership.
Cost to join
- Membership requires an initial share deposit of $25 into an account as a member's ownership share in the credit union.
Membership information collected October 4, 2026.