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Credit union · NCUA insured

Heritage USA Federal Credit Union CD Rates

Top Carrot, Carrot Score 89Top Carrot

Heritage USA Federal Credit Union’s best CD rate is 4.15% APY on a 1-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.

How Heritage USA Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Midland, TX, where Heritage USA Federal Credit Union has the most branches. $10,000, best rate first.

  • Top Carrot, Carrot Score 89

    This credit union’s best

    Heritage USA Federal Credit Union

    4.15%APY

    Term
    12 months
    Requires
    None
    Minimum
    $500
    Earns on $10,000
    $415

    Term Share Accounts (CDs)

  • Top rate

    Wells Fargo

    4.25%APY

    Term
    11 months
    Requires
    Another account
    Minimum
    $5,000
    Earns on $10,000
    $389

    Wells Fargo rates

  • Top Carrot, Carrot Score 88

    2nd-highest rate

    UMB Bank

    4.25%APY

    Term
    15 months
    Requires
    None
    Minimum
    $500
    Earns on $10,000
    $534

    UMB Bank rates

Compare CD rates near you →

Heritage USA Federal Credit Union CD score

86

CD score

Higher than 73% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo4.00%
  • 9–15 months9–15 mo4.15%
  • 16–30 months16–30 mo3.00%
  • QualifiedQualified4.15%

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.

How the score works →

Where Heritage USA 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.

Who can join Heritage USA Federal Credit Union

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

Visit institution website ↗Branches and institution details
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