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Secure your future with guaranteed growth through Heritage Credit Union’s Online Certificates of Deposit — steady, predictable, and rewarding.
Open a CD AccountA Certificate of Deposit (CD) is one of the safest and most predictable ways to grow your money. When you open a CD account with Heritage Credit Union, you lock in a fixed interest rate for a specific term — ensuring your savings increase steadily, regardless of market fluctuations.
Our Online Certificates of Deposit are designed for members across the USA and Canada who prefer stable growth and zero guesswork. Unlike traditional savings or checking accounts, CDs offer higher returns in exchange for keeping your funds deposited for a set period. The result? Consistent earnings and peace of mind knowing your money is working for you.
Whether you’re saving for a future expense, retirement, or just building wealth with confidence, our CDs provide secure and predictable growth. Open your account fully online — no branch visit required — and enjoy the ease of managing your investments anytime through our secure digital platform.
Heritage Credit Union offers some of the best Certificates of Deposit in the USA — combining reliability, strong returns, and flexible term options. We make it easy for members to choose a term that fits their goals, whether it’s short-term savings or long-term planning.
As an online-focused credit union, we pass the benefits of lower overhead to our members — meaning more of your money goes toward earning competitive interest rates. Every CD account is federally insured, ensuring your funds remain protected while they grow.
Lock in your rate and watch your money grow — no surprises, just steady returns.
Choose from short- or long-term CDs, ranging from 6 months to 5 years, based on your goals.
Open, monitor, and renew your CD from anywhere using our secure online banking platform.
Your deposits are insured up to applicable limits, providing complete peace of mind.
Earn more with fixed-term savings that outperform regular and high-yield accounts.
Set your CD to renew automatically, so your savings continue to grow effortlessly.
| Term Length | Interest Rate | Minimum Deposit | Best For |
|---|---|---|---|
| 6-Month CD | Competitive short-term rate | $1,000 | Short-term savings goals |
| 12-Month CD | Higher fixed rate | $1,000 | Steady one-year growth |
| 24–60 Month CD | Highest available rates | $2,500 | Long-term wealth building |
A Certificate of Deposit is ideal for anyone seeking stability and guaranteed growth. If you prefer earning consistent returns without market risk, CDs are a perfect choice. Many members use them for:
With Heritage Credit Union’s online convenience and competitive CD rates, your savings can grow with complete confidence.
A CD is a savings product where you deposit money for a fixed period and earn a guaranteed interest rate until maturity.
Yes! Heritage Credit Union allows you to open and manage your Certificates of Deposit fully online — no branch visit required.
Yes. Withdrawing funds before your CD matures may result in a small penalty, depending on the term. Always check details before making changes.
Yes. All deposits are federally insured up to applicable limits, ensuring your funds are safe and secure.
Rates depend on the term length and market conditions. Longer-term CDs usually offer higher fixed rates.
Explore other savings options: Regular Savings, High-Yield Savings, or Money Market Account.
