Lock In Your Best CD Rate Today
Heritage FCU delivers steady, FDIC-insured growth with terms from 6 to 60 months and rates up to 5.15% APY.
Today's CD Rates
Lock in guaranteed returns with our competitive rates and flexible terms.
| Term | Rate | APY | Action |
|---|---|---|---|
| 6 Months | 4.85% | 4.95% | |
| 12 Months | 4.95% | 5.05% | |
| 24 Months | 4.75% | 4.85% | |
| 36 Months | 4.65% | 4.75% | |
| 60 Months | 5.05% | 5.15% |
Special IRA CD
High-Yield Savings
Limited Time: 5.15% APY on 60-Month CDs
Lock in today's rate before it changes. Minimum deposit ,000.
Bank Overview
Heritage Federal Credit Union has proudly served members since 1935. With over $2.8 billion in assets and 250,000+ members nationwide, we're committed to helping you achieve financial security.
Our federally insured deposits and personalized service make us the trusted choice for retirees and families seeking steady, guaranteed growth.
Head Office:
1250 Heritage Plaza
Springfield, IL 62701
Eligibility Requirements
Open to U.S. residents 18+ with valid SSN. Minimum deposit ,000 for CDs. IRA CDs require earned income.
Features
Everything you need to manage your savings with confidence and ease.
Helping You Lock In Savings
Secure your financial future with our comprehensive savings solutions.
Electronic Funding
Transfer funds electronically from any bank account. Quick, secure, and convenient.
Fixed Rate Guarantee
Your rate is locked for the entire term. No surprises, just steady growth.
No Setup Fees
Zero setup or maintenance fees. Keep more of what you earn.
CD Account Opening Options
Open Online
Complete your application in minutes from anywhere.
Open by Phone
Speak with our specialists at 1-800-HERITAGE.
Open in Branch
Visit any of our 12 convenient locations.
Customer Support
What Our Members Say
"Great rates and excellent service. The online application was so easy!"
- Margaret S.
"Professional staff and competitive rates. Highly recommend!"
- Robert T.
"Best CD rates I've found. The staff is knowledgeable and friendly."
- Susan K.
Gallery
Explore our facilities and discover the Heritage FCU difference.
Heritage Main Branch
Our flagship location featuring modern architecture and welcoming atmosphere.
Downtown Location
Historic building with modern amenities in the heart of the city.
Historic Branch
Classic architecture with deep roots in community history.
Modern Banking Environment
Experience our welcoming and professional banking atmosphere at any of our 12 locations.
Find a LocationProfessional Atmosphere
Experience our welcoming and professional banking atmosphere at any of our 12 locations.
Find a LocationRatings & Reviews
See what our members are saying about their experience with Heritage FCU.
"Great rates and excellent service. The online application was so easy!"
- Margaret S.
CD Account Holder
"Professional staff and competitive rates. Highly recommend!"
- Robert T.
Savings Account Holder
"Best CD rates I've found. The staff is knowledgeable and friendly."
- Susan K.
CD Account Holder
Bank Details & Eligibility
Complete information about Heritage Federal Credit Union and eligibility requirements for opening accounts.
Head Office
Heritage Federal Credit Union
123 Heritage Plaza
DuBois, PA 15801
Phone
1-800-HERITAGEEligibility & Requirements
Who Can Join?
- • Anyone living or working in Pennsylvania
- • Employees of partner organizations
- • Family members of existing members
Requirements
- • Valid government-issued ID
- • Proof of address
- • Minimum deposit: ,000 for CDs
CD Rates & Terms
6 Month CD
Minimum ,000
12 Month CD
Minimum ,000
24 Month CD
Minimum ,000
Special Offers
IRA CDs
Traditional & Roth options available with the same competitive rates.
High-Yield Savings
Earn 4.15% APY with no minimum balance required.
Special Offers
$200 bonus for new customers with 0,000+ deposit.
Contact Us
Get in Touch
24/7 Customer Support
1-800-HERITAGE
support@heritagefcu.org
Ready to Start?
Contact Our TeamContact
Ready to secure your financial future? Our team is here to help.
Get in Touch
Visit Us
123 Heritage Plaza
DuBois, PA 15801
12 Convenient Locations
Find a branch near you with extended hours and weekend service.
Find a Branch →Quick Contact Form
Start Saving Today
Join 50,000+ members who trust Heritage FCU with their savings.
Advertisements
Discover exclusive offers and promotions to maximize your savings.
Limited Time Offer
Open a 12-month CD with 0,000 or more and receive a $200 bonus!
High-Yield Savings
No minimum balance required. Access your money anytime.
IRA CDs Available
Traditional and Roth options with the same competitive rates.
Ready to Start Saving?
Join thousands of members who trust Heritage FCU with their financial future.
- FDIC insured up to $250,000
- No setup or maintenance fees
- Fixed rates for entire term
Member FDIC | Equal Housing Lender | Heritage Federal Credit Union