Credit union · NCUA insured
Members Heritage CU CD Rates
Top CarrotMembers Heritage CU’s best CD rate is 4.60% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Members Heritage CU’s CD rates compare
Compared with banks and credit unions near Lexington, KY, where Members Heritage CU has the most branches. $10,000, best rate first.
This credit union’s best
Members Heritage CU
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
Term Share Certificates
Top rate
UK Credit Union
5.00%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $373
2nd-highest rate
Commonwealth Credit Union
5.00%APY
- Term
- 24 months
- Minimum
- $5
- Earns on $10,000
- $1,025
Members Heritage CU CD score
96
CD score
Higher than 98% of U.S. banks and credit unions
- 3–8 months3–8 mo3.95%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.35%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
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 Members Heritage CU 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.
Jumbo Share Certificates
Up to 4.60%APY · 5 terms
Minimum deposit of $100,000.00. Dividends calculated daily and paid monthly. Fixed interest rate and maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTerm 1 Year | 4.10% | — |
| 24 monthsTerm 2 Year | 4.45% | — |
| 36 monthsTerm 3 Year | 4.50% | — |
| 48 monthsTerm 4 Year | 4.55% | — |
| 60 monthsTerm 5 Year | 4.60% | — |
Term Share Certificates
Up to 4.50%APY · 8 terms
Minimum balance $500. Dividends calculated on average daily balance, paid monthly. Fixed interest rate and maturity date. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm 91 Days | 1.40% | $35 |
| 6 monthsTerm 182 Days | 3.95% | $196 |
| 12 monthsTerm 1 Year | 4.00% | $400 |
| 15 monthsSpecial Promotion: 15-Month. Limited time offer | 4.25% | $534 |
| 24 monthsTerm 2 Year | 4.35% | $889 |
| 36 monthsTerm 3 Year | 4.40% | $1,379 |
| 48 monthsTerm 4 Year | 4.45% | $1,902 |
| 60 monthsTerm 5 Year | 4.50% | $2,462 |
Sources (3)
All captured Oct 22, 2026
Special-purpose accounts
Coverdell Educational IRA Savings Certificate Account
Up to 4.50%APY · 5 terms
Fixed Interest & Maturity Date. Minimum deposit of $500.00. Dividends calculated on average daily balance, paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTerm 12 months | 4.00% | $400 |
| 24 monthsTerm 24 months | 4.35% | $889 |
| 36 monthsTerm 36 months | 4.40% | $1,379 |
| 48 monthsTerm 48 months | 4.45% | $1,902 |
| 60 monthsTerm 60 months | 4.50% | $2,462 |
Traditional & Roth IRA Savings Certificate Accounts
Up to 4.50%APY · 5 terms
Fixed Interest & Maturity Date. Minimum deposit of $1,000.00. Dividends calculated on average daily balance, paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTerm 12 months | 4.00% | $400 |
| 24 monthsTerm 24 months | 4.35% | $889 |
| 36 monthsTerm 36 months | 4.40% | $1,379 |
| 48 monthsTerm 48 months | 4.45% | $1,902 |
| 60 monthsTerm 60 months | 4.50% | $2,462 |
Teen Term Share Certificate
4.00%APY · 1 term
Available for credit union members ages 13-19. Minimum balance of $250. Term of 13 months. Dividends calculated on average daily balance, paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsFor members ages 13-19 | 4.00% | $434 |
Sources (2)
All captured Oct 22, 2026
Who can join Members Heritage CU
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 individuals who live, work, worship, or attend school in 22 eligible Kentucky counties (Anderson, Bath, Bourbon, Boyle, Clark, Estill, Fayette, Franklin, Garrard, Harrison, Jessamine, Lincoln, Madison, Menifee, Mercer, Montgomery, Morgan, Nicholas, Powell, Rowan, Scott, and Woodford).
Family and household
- Membership is open to individuals who have family members in the 22 eligible Kentucky counties.
Cost to join
- Opening a share savings account with an initial deposit of as little as $5 is required to establish membership, with no annual membership fees or maintenance charges.
Membership information collected October 4, 2026.