Credit union · NCUA insured
Mountain Heritage Federal Credit Union CD Rates
Mountain Heritage Federal Credit Union’s best CD rate is 3.81% APY on a 3-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Mountain Heritage Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Hagerstown, MD-WV, where Mountain Heritage Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mountain Heritage Federal Credit Union
3.81%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,187
Share Certificates
Top rate
Patriot Federal Credit Union
4.50%APY
- Term
- 48 months
- Minimum
- $1,000
- Earns on $10,000
- $1,925
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Mountain Heritage Federal Credit Union CD score
81
CD score
Higher than 55% of U.S. banks and credit unions
- 3–8 months3–8 mo3.04%
- 9–15 months9–15 mo3.30%
- 16–30 months16–30 mo3.56%
- 31–60 months31–60 mo3.81%
- QualifiedQualified3.81%
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 Mountain Heritage 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 Certificates
Up to 3.81%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.04% | $151 |
| 12 months | 3.30% | $330 |
| 24 months | 3.56% | $725 |
| 36 months | 3.81% | $1,187 |
| 48 months | 3.81% | $1,613 |
| 60 months | 3.81% | $2,056 |
Sources (1)
- mhfcu.net/rates · captured Sep 19, 2026
Who can join Mountain Heritage Federal Credit Union
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