Credit union · NCUA insured
Heritage Grove Federal Credit Union CD Rates
Heritage Grove Federal Credit Union’s best CD rate is 4.00% APY on a 9-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Heritage Grove Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Salem, OR, where Heritage Grove Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Heritage Grove Federal Credit Union
3.50%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $261
Share Certificate
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
Central Willamette Credit Union
4.16%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $750
- Earns on $10,000
- $416
Heritage Grove Federal Credit Union CD score
67
CD score
Higher than 18% of U.S. banks and credit unions
- 3–8 months3–8 mo1.95%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo2.20%
- 31–60 months31–60 mo2.50%
- QualifiedQualified3.50%
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 Grove Federal 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 3.50%APY · 8 terms
Early withdrawal penalty will apply. Dividends are paid upon the share certificate maturity. Fees could reduce earnings.
| Term | APY · $1,000 and up | APY · $1,000 – $20,000 | APY · $20,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 monthsDividends are paid upon maturity. Early withdrawal penalty will apply | 1.95% | — | — | — | 1.95% | $97 |
| 9 monthsCD rate special. Dividends are paid upon maturity. Early withdrawal penalty will apply | — | 3.50% | 3.75% | 4.00% | 3.50%3.75% $20k–$100k4.00% from $100k | $261 |
| 12 monthsDividends are paid upon maturity. Early withdrawal penalty will apply | 2.25% | — | — | — | 2.25% | $225 |
| 18 monthsDividends are paid upon maturity. Early withdrawal penalty will apply | 2.10% | — | — | — | 2.10% | $317 |
| 24 monthsDividends are paid upon maturity. Early withdrawal penalty will apply | 2.20% | — | — | — | 2.20% | $445 |
| 36 monthsDividends are paid upon maturity. Early withdrawal penalty will apply | 2.30% | — | — | — | 2.30% | $706 |
| 48 monthsDividends are paid upon maturity. Early withdrawal penalty will apply | 2.40% | — | — | — | 2.40% | $995 |
| 60 monthsDividends are paid upon maturity. Early withdrawal penalty will apply | 2.50% | — | — | — | 2.50% | $1,314 |
Special-purpose accounts
IRA Certificate Account
Up to 3.50%APY · 8 terms
Guaranteed rate of return. Includes Traditional and Roth IRAs. Early withdrawal penalty will apply. Dividends are paid upon maturity.
| Term | APY · $1,000 and up | APY · $1,000 – $20,000 | APY · $20,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 monthsDividends are paid upon maturity. Early withdrawal penalty will apply | 1.95% | — | — | — | 1.95% | $97 |
| 9 monthsCertificate rate special. Dividends are paid upon maturity. Early withdrawal penalty will apply | — | 3.50% | 3.75% | 4.00% | 3.50%3.75% $20k–$100k4.00% from $100k | $261 |
| 12 monthsDividends are paid upon maturity. Early withdrawal penalty will apply | 2.25% | — | — | — | 2.25% | $225 |
| 18 monthsDividends are paid upon maturity. Early withdrawal penalty will apply | 2.10% | — | — | — | 2.10% | $317 |
| 24 monthsDividends are paid upon maturity. Early withdrawal penalty will apply | 2.20% | — | — | — | 2.20% | $445 |
| 36 monthsDividends are paid upon maturity. Early withdrawal penalty will apply | 2.30% | — | — | — | 2.30% | $706 |
| 48 monthsDividends are paid upon maturity. Early withdrawal penalty will apply | 2.40% | — | — | — | 2.40% | $995 |
| 60 monthsDividends are paid upon maturity. Early withdrawal penalty will apply | 2.50% | — | — | — | 2.50% | $1,314 |
Who can join Heritage Grove Federal Credit Union
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