Savings Certificates

Mature couple and friends driving golf carts

Savings Certificates

Put Your Money to Work While you Enjoy Your Day.

Safe and Steady!

For investors who want steady guaranteed growth and the peace of mind of Federal Insurance, a Savings Certificate is the perfect choice. Savings Certificates are a tried and trusted investment vehicle for many Americans and you will never worry about upfront fees and commissions.

High Returns

Since you’re investing for a fixed term, we can pay you a much better interest rate than most other “liquid” savings accounts.

Flexible Terms, Great Rates and Just a $500 Minimum Deposit

Our Share Certificates pay a highly competitive rate of return. Terms range from 6 months to 60 months with a minimum investment of $500.00. Dividends are paid monthly. You have the option of having interest compound on the certificate or be transferred to your share or checking account.

Special – Flex Savings Certificates

If you’d like start investing in savings certificate, start with a “Flex” Savings Certificate. You can open the with just $500!

  • Minimum / Maximum Balance by type:
    • Type A = $500.00 – above
    • Type B = $2,000.00 – above
    • Type C = $25,000.00 – above
    • Type D = $50,000.00 – above

* 12 month terms
* Unlimited deposits in $200.00 increments
* One Withdrawal per calendar month
* Must remain above minimum balance for type requested

Youth Savings Certificate

For youth between the ages of 0-17 a “Youth” Savings Certificate can be oped with a $100 minimum opening deposit.

Federally Insured and Absolutely Safe

And just like your Share Savings account, all Savings Certificate accounts are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

Next Steps

Free Checking

Free Bill Pay, Free Mobile Pay, Free Online Banking, No Monthly. Smile!

Rewards VISA!

Get Rewards and worldwide acceptance with great local service.

Time for Fun?

Upgrade your RV or ATV and get out there. We have great rates and terms!

Best Auto Loan

We have the most flexible terms and the best rates for ALL members.

Savings Certificates

Term
Min BalanceAPY*Div RateJumbo Min.APYAPY
Effective6/1/2019
6 mos$500.35%.35%$100,000.45%.45%
9 mos$500.75%.75%$100,000.85%.85%
1 yr$5002.78%2.75%$100,0002.89%2.85%
18 mos$500.55%.55%$100,000.65%.65%
2 yrs$5001.11%1.10%$100,0001.21%1.20%
3 yrs$5002.94%2.90%$100,0003.04%3.00%
4 yrs$5001.16%1.15%$100,0001.26%1.26%
5 yrs$5003.14%3.10%$100,0003.25%3.20%
IRA CDAbove rates+.10%Above rates+.10%Above rates+.10%Above rates+.10%
*APY is Annual Percentage Yield. No deposits or withdrawals allowed before maturity. Rates subject to change without notice.

Youth Account CD: Ages 0-17 have the option of opening a certificate in their account with a $25.00 minimum opening deposit. Subsequent deposits must be a minimum of $25.00. You can deposit up to $2500.00 during the term of the certificate. Rates on Youth Certificates are the same as the Regular Certificate Rates.

Early Withdrawal Penalty - An early withdrawal penalty will apply to any certificate cashing in before the maturity date. A 90 day loss of interest penalty will apply top any certificate with a term of 12 months or less. A 180 day loss of interest will apply to any certificate with a term of 13 months or more. The penalty is calculated as a forfeiture of part of the interest that has or would be earned on the account with a minimum of $15.00. It applies whether or not the interest has been earned. The penalty may be deducted from the principal if no interest has accrued. There are certain circumstances, such as the death or incompetence of any owner, where we may waive a reduce this penalty.

Flex Certificates

Term
Min. BalanceAPY*
Effective6/1/2019
1 year$500.25%
1 year$2000.30%
1 year$25,000.40%
1 year$50,000.50%
*APY is Annual Percentage Yield. Unlimited deposits in $200 increments. One withdrawal per calendar month. Must remain above minimum balance for type requested. Early closure penalty may apply if you fall below minimum balance in term. Rates subject to change without notice.

Early Withdrawal Penalty - An early withdrawal penalty will apply to any certificate cashing in before the maturity date. A 90 day loss of interest penalty will apply top any certificate with a term of 12 months or less. A 180 day loss of interest will apply to any certificate with a term of 13 months or more. The penalty is calculated as a forfeiture of part of the interest that has or would be earned on the account with a minimum of $15.00. It applies whether or not the interest has been earned. The penalty may be deducted from the principal if no interest has accrued. There are certain circumstances, such as the death or incompetence of any owner, where we may waive a reduce this penalty.

Savings Rates

Type
Min. BalanceAPY*
Effective 6/1/2019
Share Savings - Suffix#1 $25.00%
$100.10%
$2500.10%
IRA - Suffix #5 & 6$25.00%
$100.20%
$2500.30%
Money Market Account0.00%
$500.10%
$25,000.30%
$50,000.40%
Checking0.00%
*APY is Annual Percentage Yield. Rates subject to change without notice.

Loans Rates

Type
TermAPR*
Effective6/1/2019
Auto Loans5 yrs3.99%
Auto Loans6 yrs4.24%
RV5 yrs4.99%
ATV5 yrs4.99%
Motorcycles5 yrs4.99%
Boats & Watercraft5 yrs4.99%
Personal 5 yrs9.50%
VISA Credit Variable10.24%
VISA Debit Variable11.24%
*APR is Annual Percentage Rate. All rates are on approved credit and based on your credit experience.
Rates disclosed are our best rates. Your rate could by higher based on your credit history FICO Score and term.
Utah Heritage CU may acquire a security interest in the property purchased with borrowed funds.
All rates are subject to change without notice.

Home Loans

Type
TermAPR
Effective 6/1/2019
First Mortgage30 year fixedContact CU for current rate
First Mortgage15 year fixed Contact CU for current rate
2nd Mortgage10 year fixed Contact CU for current rate
Home Equity Line of CreditVariableas low as 5.50%
APR is Annual Percentage Rate. All rates are on approved credit and based on your credit experience. Rates disclosed are our best rates. Your rate could by higher based on your credit history. Utah Heritage CU may acquire a security interest in the property purchased with borrowed funds. All rates are subject to change without notice.
Savings Certificates

Savings Certificates

Term
Min BalanceAPY*Div RateJumbo Min.APYAPY
Effective6/1/2019
6 mos$500.35%.35%$100,000.45%.45%
9 mos$500.75%.75%$100,000.85%.85%
1 yr$5002.78%2.75%$100,0002.89%2.85%
18 mos$500.55%.55%$100,000.65%.65%
2 yrs$5001.11%1.10%$100,0001.21%1.20%
3 yrs$5002.94%2.90%$100,0003.04%3.00%
4 yrs$5001.16%1.15%$100,0001.26%1.26%
5 yrs$5003.14%3.10%$100,0003.25%3.20%
IRA CDAbove rates+.10%Above rates+.10%Above rates+.10%Above rates+.10%
*APY is Annual Percentage Yield. No deposits or withdrawals allowed before maturity. Rates subject to change without notice.

Youth Account CD: Ages 0-17 have the option of opening a certificate in their account with a $25.00 minimum opening deposit. Subsequent deposits must be a minimum of $25.00. You can deposit up to $2500.00 during the term of the certificate. Rates on Youth Certificates are the same as the Regular Certificate Rates.

Early Withdrawal Penalty - An early withdrawal penalty will apply to any certificate cashing in before the maturity date. A 90 day loss of interest penalty will apply top any certificate with a term of 12 months or less. A 180 day loss of interest will apply to any certificate with a term of 13 months or more. The penalty is calculated as a forfeiture of part of the interest that has or would be earned on the account with a minimum of $15.00. It applies whether or not the interest has been earned. The penalty may be deducted from the principal if no interest has accrued. There are certain circumstances, such as the death or incompetence of any owner, where we may waive a reduce this penalty.

Flex Certificates

Flex Certificates

Term
Min. BalanceAPY*
Effective6/1/2019
1 year$500.25%
1 year$2000.30%
1 year$25,000.40%
1 year$50,000.50%
*APY is Annual Percentage Yield. Unlimited deposits in $200 increments. One withdrawal per calendar month. Must remain above minimum balance for type requested. Early closure penalty may apply if you fall below minimum balance in term. Rates subject to change without notice.

Early Withdrawal Penalty - An early withdrawal penalty will apply to any certificate cashing in before the maturity date. A 90 day loss of interest penalty will apply top any certificate with a term of 12 months or less. A 180 day loss of interest will apply to any certificate with a term of 13 months or more. The penalty is calculated as a forfeiture of part of the interest that has or would be earned on the account with a minimum of $15.00. It applies whether or not the interest has been earned. The penalty may be deducted from the principal if no interest has accrued. There are certain circumstances, such as the death or incompetence of any owner, where we may waive a reduce this penalty.

Savings

Savings Rates

Type
Min. BalanceAPY*
Effective 6/1/2019
Share Savings - Suffix#1 $25.00%
$100.10%
$2500.10%
IRA - Suffix #5 & 6$25.00%
$100.20%
$2500.30%
Money Market Account0.00%
$500.10%
$25,000.30%
$50,000.40%
Checking0.00%
*APY is Annual Percentage Yield. Rates subject to change without notice.
Loans

Loans Rates

Type
TermAPR*
Effective6/1/2019
Auto Loans5 yrs3.99%
Auto Loans6 yrs4.24%
RV5 yrs4.99%
ATV5 yrs4.99%
Motorcycles5 yrs4.99%
Boats & Watercraft5 yrs4.99%
Personal 5 yrs9.50%
VISA Credit Variable10.24%
VISA Debit Variable11.24%
*APR is Annual Percentage Rate. All rates are on approved credit and based on your credit experience.
Rates disclosed are our best rates. Your rate could by higher based on your credit history FICO Score and term.
Utah Heritage CU may acquire a security interest in the property purchased with borrowed funds.
All rates are subject to change without notice.
Mortgages

Home Loans

Type
TermAPR
Effective 6/1/2019
First Mortgage30 year fixedContact CU for current rate
First Mortgage15 year fixed Contact CU for current rate
2nd Mortgage10 year fixed Contact CU for current rate
Home Equity Line of CreditVariableas low as 5.50%
APR is Annual Percentage Rate. All rates are on approved credit and based on your credit experience. Rates disclosed are our best rates. Your rate could by higher based on your credit history. Utah Heritage CU may acquire a security interest in the property purchased with borrowed funds. All rates are subject to change without notice.