Credit union · NCUA insured
Heritage Valley Federal Credit Union CD Rates
Top CarrotHeritage Valley Federal Credit Union’s best CD rate is 3.95% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Heritage Valley Federal Credit Union’s CD rates compare
Compared with banks and credit unions near York, PA, where Heritage Valley Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Heritage Valley Federal Credit Union
3.95%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $395
Heritage Gold Certificate
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Heritage Valley Federal Credit Union CD score
82
CD score
Higher than 58% of U.S. banks and credit unions
- 3–8 months3–8 mo3.40%
- 9–15 months9–15 mo3.95%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo2.90%
- QualifiedQualified3.95%
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 Valley 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.
Heritage Gold Certificate
Up to 3.95%APY · 8 terms
Heritage Gold rates require a minimum balance of $10,000. Substantial penalty for early withdrawal. Dividends compounded monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.40% | $169 |
| 12 months | 3.95% | $395 |
| 18 months | 3.80% | $575 |
| 24 months | 3.60% | $733 |
| 30 months | 2.80% | $715 |
| 36 months | 2.80% | $864 |
| 48 months | 2.80% | $1,168 |
| 60 months | 2.90% | $1,537 |
Sources (3)
All captured Oct 6, 2026
Share Certificate
Up to 3.90%APY · 8 terms
Fixed rate share certificates with terms ranging from 90 days to 60 months. Penalty for early withdrawal. Dividends compounded monthly, except for 90-day certificates which compound at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.35% | $166 |
| 12 months | 3.90% | $390 |
| 18 months | 3.75% | $568 |
| 24 months | 3.55% | $723 |
| 30 months | 2.75% | $702 |
| 36 months | 2.75% | $848 |
| 48 months | 2.75% | $1,146 |
| 60 months | 2.85% | $1,509 |
Special-purpose accounts
Heritage Gold IRA Certificate
Up to 3.95%APY · 7 terms
Heritage Gold Rate applies to Individual Retirement Accounts. IRA Certificates require a minimum term of 12 months. Heritage Gold rate tier requires a minimum balance of $10,000. Substantial penalty for early withdrawal; dividends compounded monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum term of 12 months required for IRA certificates | 3.95% | $395 |
| 18 months | 3.80% | $575 |
| 24 months | 3.60% | $733 |
| 30 months | 2.80% | $715 |
| 36 months | 2.80% | $864 |
| 48 months | 2.80% | $1,168 |
| 60 months | 2.90% | $1,537 |
Sources (3)
All captured Oct 6, 2026
IRA Certificate
Up to 3.90%APY · 7 terms
IRA Certificates require a minimum term of 12 months. Available for Traditional, Roth, and Coverdell IRAs. Minimum balance is $250.00 for IRA investments. Penalty for early withdrawal; dividends compounded monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum term of 12 months required for IRA certificates; minimum balance for IRA investments is $250.00 | 3.90% | $390 |
| 18 monthsMinimum balance for IRA investments is $250.00 | 3.75% | $568 |
| 24 monthsMinimum balance for IRA investments is $250.00 | 3.55% | $723 |
| 30 monthsMinimum balance for IRA investments is $250.00 | 2.75% | $702 |
| 36 monthsMinimum balance for IRA investments is $250.00 | 2.75% | $848 |
| 48 monthsMinimum balance for IRA investments is $250.00 | 2.75% | $1,146 |
| 60 monthsMinimum balance for IRA investments is $250.00 | 2.85% | $1,509 |
Sources (3)
All captured Oct 6, 2026
Who can join Heritage Valley Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in the South Central PA counties of Adams, Cumberland, Dauphin, and York is eligible for membership.
Membership information collected October 5, 2026.