Credit union · NCUA insured
Heritage Financial Credit Union CD Rates
Heritage Financial Credit Union’s best CD rate is 4.25% APY on a 4-month share certificate (CD). Terms run from 4 months to 5 years. Rates checked October 16, 2026.
How Heritage Financial Credit Union’s CD rates compare
Compared with banks and credit unions near Kiryas Joel, NY, where Heritage Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Heritage Financial Credit Union
4.25%APY
- Term
- 4 months
- Minimum
- $500
- Earns on $10,000
- $140
Share Certificate
Top rate
Rhinebeck Bank
4.40%APY
- Term
- 24 months
- Minimum
- $2,000
- Earns on $10,000
- $899
2nd-highest rate
International Bank of Chicago
4.35%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $435
Heritage Financial Credit Union CD score
89
CD score
Higher than 86% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.75%
- QualifiedQualified4.25%
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 Financial 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 Certificate
Up to 4.25%APY · 9 terms
Standard minimum opening deposit is $500. Additional deposits are not allowed after opening. Early withdrawal penalties apply (90 days' dividends for 1-12 month terms, 180 days for 13-23 months, 365 days for 24-36 months, 540 days for 37-60 months). Automatically renewing certificates have a 10-day grace period.
| Term | APY · $500 and up | APY · $2,500 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 4 monthsRequires opening a qualifying Heritage High Yield Checking or Cash Back Checking account at certificate opening OR depositing $2,500 in new money | — | 4.25% | — | 4.25% | $140 |
| 4 monthsStandard 4-Month Certificate Special rate | 4.00% | — | — | 4.00% | $132 |
| 5 months | 3.00% | — | — | 3.00% | $124 |
| 6 months | 1.25% | — | 1.30% | 1.25%1.30% from $100k | $62 |
| 7 months | 3.40% | — | — | 3.40% | $197 |
| 12 monthsRequires opening a qualifying Heritage High Yield Checking or Cash Back Checking account at certificate opening OR depositing $2,500 in new money | — | 4.25% | — | 4.25% | $425 |
| 12 monthsStandard 12-Month Certificate Special rate | 4.00% | — | — | 4.00% | $400 |
| 24 months | 3.00% | — | 3.05% | 3.00%3.05% from $100k | $609 |
| 36 months | 2.75% | — | 2.80% | 2.75%2.80% from $100k | $848 |
| 48 months | 2.50% | — | 2.55% | 2.50%2.55% from $100k | $1,038 |
| 60 months | 2.55% | — | 2.60% | 2.55%2.60% from $100k | $1,342 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
IRA Certificate
Up to 4.25%APY · 9 terms
Standard minimum opening deposit is $500. Additional deposits are not allowed after opening. IRA certificate withdrawals are not permitted and subject to early withdrawal penalty; IRA dividends may be withdrawn subject to penalty. Automatically renewing certificates have a 10-day grace period.
| Term | APY · $500 and up | APY · $2,500 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 4 monthsRequires opening a qualifying Heritage High Yield Checking or Cash Back Checking account at certificate opening OR depositing $2,500 in new money | — | 4.25% | — | 4.25% | $140 |
| 4 monthsStandard 4-Month IRA Certificate Special rate | 4.00% | — | — | 4.00% | $132 |
| 5 months | 3.00% | — | — | 3.00% | $124 |
| 6 months | 1.25% | — | 1.30% | 1.25%1.30% from $100k | $62 |
| 7 months | 3.40% | — | — | 3.40% | $197 |
| 12 monthsRequires opening a qualifying Heritage High Yield Checking or Cash Back Checking account at certificate opening OR depositing $2,500 in new money | — | 4.25% | — | 4.25% | $425 |
| 12 monthsStandard 12-Month IRA Certificate Special rate | 4.00% | — | — | 4.00% | $400 |
| 24 months | 3.00% | — | 3.05% | 3.00%3.05% from $100k | $609 |
| 36 months | 2.75% | — | 2.80% | 2.75%2.80% from $100k | $848 |
| 48 months | 2.50% | — | 2.55% | 2.50%2.55% from $100k | $1,038 |
| 60 months | 2.55% | — | 2.60% | 2.55%2.60% from $100k | $1,342 |
Sources (2)
All captured Sep 17, 2026
Who can join Heritage Financial 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, volunteers, or attends school in Orange, Ulster, Dutchess, Putnam, or Rockland counties in New York; Pike County in Pennsylvania; or Passaic and Sussex counties in New Jersey.
Family and household
- Membership is open to anyone who has a family member that is a member in Orange, Ulster, Dutchess, Putnam, or Rockland counties in New York; Pike County in Pennsylvania; or Passaic and Sussex counties in New Jersey.
Membership information collected October 5, 2026.