Credit union · NCUA insured
United Heritage Credit Union CD Rates
United Heritage Credit Union’s best CD rate is 4.39% APY on a 15-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How United Heritage Credit Union’s CD rates compare
Compared with banks and credit unions near Austin, TX, where United Heritage Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
United Heritage Credit Union
4.24%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $388
Promotional Certificate
Top rate
First National Bank of Bastrop
5.00%APY
- Term
- 7 months
- Minimum
- $10,000
- Earns on $10,000
- $289
2nd-highest rate
Austin Capital Bank
4.58%APY
- Term
- 3 months
- Minimum
- $1,000
- Earns on $10,000
- $113
United Heritage Credit Union CD score
88
CD score
Higher than 82% of U.S. banks and credit unions
- 3–8 months3–8 mo3.65%
- 9–15 months9–15 mo4.24%
- 16–30 months16–30 mo3.91%
- 31–60 months31–60 mo3.65%
- QualifiedQualified4.24%
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 United Heritage 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.
Promotional Certificate
4.24%APY · 2 terms
Membership required. New money only; funds currently on deposit at UHCU are not eligible. Available through October 31, 2026. No monthly maintenance or administrative fees. Early withdrawal penalty may apply. Automatically renews at maturity into a standard 12-month Certificate at then-current rate.
| Term | APY · $1,000 and up | APY · $150,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 11 monthsPromotional rate. Minimum principal balance must be maintained throughout term to earn advertised APY. Dividends paid quarterly | 4.24% | — | 4.24% | $388 |
| 15 monthsPromotional rate. Minimum principal balance must be maintained throughout term to earn advertised APY. Dividends paid quarterly | — | 4.39% | —4.39% from $150k | — |
Sources (1)
- uhcu.org/investments/certificates-of-deposit/mbrpromo2 · captured Oct 6, 2026
Certificate of Deposit (CD)
Up to 3.91%APY · 8 terms
Membership/Regular Savings account required. No monthly fee, service charge, or administration fees. Early withdrawal subject to penalty/loss of dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends credited at maturity; not compounded | 2.51% | $62 |
| 6 monthsDividends paid and compounded quarterly | 3.65% | $181 |
| 12 monthsDividends paid and compounded quarterly | 3.91% | $391 |
| 18 monthsDividends paid and compounded quarterly | 3.91% | $592 |
| 24 monthsDividends paid and compounded quarterly | 3.75% | $764 |
| 36 monthsDividends paid and compounded quarterly | 3.65% | $1,135 |
| 48 monthsDividends paid and compounded quarterly | 3.50% | $1,475 |
| 60 monthsDividends paid and compounded quarterly | 3.45% | $1,848 |
Sources (2)
All captured Oct 6, 2026
Homebuyer Savings Account
0.60%APY · 1 term
30-month investment term. Dividend rates compounded monthly. Membership/Regular Savings account required. Early withdrawal subject to loss of dividends, but no penalty applies if funds are wired directly to a title company.
| Term | APY · $100 – $4,999 | APY · $5,000 – $9,999 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 30 monthsCompounded monthly. No early withdrawal penalty if wired to a title company | 0.25% | 0.40% | 0.60% | 0.60%0.25% $100–$5k0.40% $5k–$10k | $151 |
Sources (1)
- uhcu.org/resources/rates-and-fees · captured Oct 6, 2026
Independence Account
0.60%APY · 1 term
30-month investment term. Compounded monthly. Membership/Regular Savings account required. Early withdrawal subject to loss of dividends.
| Term | APY · $100 – $4,999 | APY · $5,000 – $9,999 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 30 monthsCompounded monthly | 0.25% | 0.40% | 0.60% | 0.60%0.25% $100–$5k0.40% $5k–$10k | $151 |
Sources (1)
- uhcu.org/resources/rates-and-fees · captured Oct 6, 2026
Special-purpose accounts
Fixed-Rate Individual Retirement Account
Up to 3.91%APY · 6 terms
Traditional and Roth IRAs available. Spousal IRA contributions allowed. Membership/Regular Savings account required. No monthly fee. Compounded quarterly. Early withdrawal subject to loss of dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends paid and compounded quarterly | 3.91% | $391 |
| 18 monthsDividends paid and compounded quarterly | 3.91% | $592 |
| 24 monthsDividends paid and compounded quarterly | 3.75% | $764 |
| 36 monthsDividends paid and compounded quarterly | 3.65% | $1,135 |
| 48 monthsDividends paid and compounded quarterly | 3.50% | $1,475 |
| 60 monthsDividends paid and compounded quarterly | 3.45% | $1,848 |
Sources (2)
All captured Oct 6, 2026
Who can join United Heritage Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Business membership is open to corporations, sole proprietorships, LLCs, or partnerships located in Bastrop, Bell, Blanco, Burnet, Caldwell, Hays, Lee, Milam, Travis, Williamson, Cherokee, Gregg, Henderson, Rusk, Smith, Upshur, Van Zandt, or Wood counties.
- Business membership is open to businesses anywhere in the state of Texas.
- Membership is open to the Central Texas, Austin, and Tyler communities.
Other ways
- Business membership is open if you are a current member of United Heritage.
Membership information collected October 5, 2026.