Credit union · NCUA insured
Utah Heritage Credit Union CD Rates
Top CarrotUtah Heritage Credit Union’s best CD rate is 4.25% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Utah Heritage Credit Union’s CD rates compare
Compared with banks and credit unions in Utah, where Utah Heritage Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Utah Heritage Credit Union
4.25%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $868
Savings Certificates
Top rate
Comenity Capital Bank
4.85%APY
- Term
- 18 months
- Minimum
- $1,500
- Earns on $10,000
- $736
2nd-highest rate
Happen Bank
4.76%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $975
Utah Heritage Credit Union CD score
89
CD score
Higher than 88% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.05%
- QualifiedQualified4.25%
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 Utah 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.
Savings Certificates
Up to 4.25%APY · 8 terms
Dividends compounded monthly and credited monthly. Interest calculated by the daily balance method. No deposits or withdrawals allowed before maturity. Minimum opening deposit of $500.00. Early withdrawal penalty applies (90 days interest for terms 12 months or less; 180 days interest for terms 13 months or more; minimum penalty $15.00). Automatically renewed at maturity with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | $186 |
| 9 months | 3.50% | $261 |
| 12 months | 3.80% | $380 |
| 18 months | 3.50% | $530 |
| 24 months | 4.25% | $868 |
| 36 months | 4.05% | $1,265 |
| 48 months | 4.00% | $1,699 |
| 60 months | 4.00% | $2,167 |
Sources (2)
All captured Sep 16, 2026
Flex Certificates
Up to 0.55%APY · 1 term
12-month term. Unlimited deposits in $200 increments. One withdrawal per calendar month. Must remain above minimum balance for type requested. Early closure penalty may apply if balance falls below minimum balance during term.
| Term | APY · $500 and up | APY · $2,000 and up | APY · $25,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 12 monthsType A. Unlimited deposits in $200 increments; 1 withdrawal per calendar month | 0.50% | — | — | — | 0.50% | $50 |
| 12 monthsType B. Unlimited deposits in $200 increments; 1 withdrawal per calendar month | — | 0.55% | — | — | 0.55% | $55 |
| 12 monthsType C. Unlimited deposits in $200 increments; 1 withdrawal per calendar month | — | — | 0.60% | — | —0.60% from $25k | — |
| 12 monthsType D. Unlimited deposits in $200 increments; 1 withdrawal per calendar month | — | — | — | 0.65% | —0.65% from $50k | — |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
Youth Account CD
Up to 4.25%APY · 8 terms
For ages 0-17. $25.00 minimum opening deposit ($100 stated on Savings Certificate info page). Subsequent deposits must be a minimum of $25.00, up to a maximum total deposit of $10,000.00 during the term. Rates on Youth Certificates are the same as Regular Certificate Rates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAvailable for ages 0-17; subsequent deposits must be minimum $25.00 up to $10,000.00 max total during term | 3.75% | $186 |
| 9 monthsAvailable for ages 0-17; subsequent deposits must be minimum $25.00 up to $10,000.00 max total during term | 3.50% | $261 |
| 12 monthsAvailable for ages 0-17; subsequent deposits must be minimum $25.00 up to $10,000.00 max total during term | 3.80% | $380 |
| 18 monthsAvailable for ages 0-17; subsequent deposits must be minimum $25.00 up to $10,000.00 max total during term | 3.50% | $530 |
| 24 monthsAvailable for ages 0-17; subsequent deposits must be minimum $25.00 up to $10,000.00 max total during term | 4.25% | $868 |
| 36 monthsAvailable for ages 0-17; subsequent deposits must be minimum $25.00 up to $10,000.00 max total during term | 4.05% | $1,265 |
| 48 monthsAvailable for ages 0-17; subsequent deposits must be minimum $25.00 up to $10,000.00 max total during term | 4.00% | $1,699 |
| 60 monthsAvailable for ages 0-17; subsequent deposits must be minimum $25.00 up to $10,000.00 max total during term | 4.00% | $2,167 |
Sources (2)
All captured Sep 16, 2026
Who can join Utah 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
- Residents of Sanpete and Sevier Counties are eligible for membership.
Employers and groups
- Employees or patrons of Pitman Farms (formerly Moroni Feed Company or Norbest) are eligible for membership.
Family and household
- Family members of an existing Utah Heritage Credit Union member are eligible for membership.
Cost to join
- Members must maintain a minimum balance of $25 in their share account, while minors under 18 may open an account for $5 with six months to reach the $25 minimum.
Membership information collected October 4, 2026.