Credit union · NCUA insured
Richmond Heritage Federal Credit Union CD Rates
Richmond Heritage Federal Credit Union’s best CD rate is 3.90% APY on a 3-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How Richmond Heritage Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Richmond, VA, where Richmond Heritage Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Richmond Heritage Federal Credit Union
3.90%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,216
Share Certificates
Top rate
The United Methodist Credit Union
5.00%APY
- Term
- 8 months
- Minimum
- $5,000
- Earns on $10,000
- $331
2nd-highest rate
Langley Credit Union
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
Richmond Heritage Federal Credit Union CD score
85
CD score
Higher than 68% of U.S. banks and credit unions
- 3–8 months3–8 mo2.75%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.85%
- 31–60 months31–60 mo3.90%
- QualifiedQualified3.90%
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 Richmond 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 3.90%APY · 5 terms
After the certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Dividends are compounded and credited quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.75% | $137 |
| 12 months | 3.75% | $375 |
| 18 months | 3.80% | $575 |
| 24 months | 3.85% | $785 |
| 36 months | 3.90% | $1,216 |
Who can join Richmond Heritage Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.