Credit union · NCUA insured
Parks Heritage Federal Credit Union CD Rates
Top CarrotParks Heritage Federal Credit Union’s best CD rate is 4.00% APY on a 4-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Parks Heritage Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Glens Falls, NY, where Parks Heritage Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Parks Heritage Federal Credit Union
4.00%APY
- Term
- 48 months
- Minimum
- —
- Earns on $10,000
- $1,699
Certificates of Deposit
Top rate
Adirondack Trust Company
4.06%APY
- Term
- 3 months
- Minimum
- $500
- Earns on $10,000
- $100
2nd-highest rate
NBT Bank
4.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $132
Parks Heritage Federal Credit Union CD score
87
CD score
Higher than 79% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo3.95%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.00%
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 Parks 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.
Certificates of Deposit
Up to 4.00%APY · 6 terms
Membership eligibility required: open to those who live, work, worship, or volunteer in Essex, Hamilton, Saratoga, Washington, and Warren counties in New York state, as well as immediate family members of. A $5 deposit into a Share Savings Account is required for membership. No monthly maintenance fees. Early withdrawal penalties may apply. Dividends compounded and paid monthly on the last day of each month.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFixed rates with a guaranteed return; early withdrawal penalty may apply; dividends compounded and paid monthly on the last day of each month | 3.85% | $191 |
| 12 monthsFixed rates with a guaranteed return; early withdrawal penalty may apply; dividends compounded and paid monthly on the last day of each month | 3.85% | $385 |
| 24 monthsFixed rates with a guaranteed return; early withdrawal penalty may apply; dividends compounded and paid monthly on the last day of each month | 3.95% | $806 |
| 36 monthsFixed rates with a guaranteed return; early withdrawal penalty may apply; dividends compounded and paid monthly on the last day of each month | 3.95% | $1,232 |
| 48 monthsFixed rates with a guaranteed return; early withdrawal penalty may apply; dividends compounded and paid monthly on the last day of each month | 4.00% | $1,699 |
| 60 monthsFixed rates with a guaranteed return; early withdrawal penalty may apply; dividends compounded and paid monthly on the last day of each month | 4.00% | $2,167 |
Who can join Parks Heritage 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
- Eligibility is open to anyone who lives, works, worships, or attends school in Warren, Washington, Saratoga, Essex, or Hamilton counties of upstate New York.
Membership information collected October 5, 2026.