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
6 mos$5000.50%0.50%$100,0000.60%0.60%
9 mos$5000.75%0.75%$100,0000.85%0.85%
1 yr$5000.60%0.60%$100,0000.70%0.70%
18 mos$5000.55%0.55%$100,0000.65%0.65%
2 yrs$5000.90%0.90%$100,0001.00%1.00%
3 yrs$5001.10%
1.09%$100,0001.20%1.19%
4 yrs$5001.25%1.24%$100,0002.20%1.34%
5 yrs$5001.35%1.34%$100,0001.45%1.44%
IRA CDAbove rates+.10%Above rates+.10%Above rates+.10%Above rates+.10%
Effective3/17/2020
*APY is Annual Percentage Yield. No deposits or withdrawals allowed before maturity. Rates subject to change without notice.

IRA CERTIFICATE RATES - Same rate as above plust 0.10%.

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 $10,000.00 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.

Renewal Policy: Your certificate will be automatically renewed at maturity for another term. You have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. You may elect not to have your certificate renewed automatically.

Nontransferable: Your certificate is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation except with the credit union. IRA certificates cannot be pledged on any loans due to government requirements.

Compounding & Crediting: Dividends will be compounded monthly and credited monthly. The dividend period is monthly. The certificate will begin earning interest on the first day of the deposit and end on the date of maturity. Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day. You have the option of having the interest compound on the certificate or be transferred to your share or checking account. If you closed your account before dividends are paid, you will not receive the accrued dividends.

Minimum Balance Requirements: The minimum balance requirements to open an account and to obtain the disclosed annual percentage yield are set forth herein.

Transaction limitations: You may not make additions into a Regular Certificate or IRA Certificate account after it has been initially funded. Exceptions apply. You may elect to have dividends transferred automatically to another account at the credit union. You may elect to have your dividends mailed to you by check.
Maturity: Your certificate account will mature on the maturity date set forth on your account receipt or maturity notice.





Flex Certificates

Term
Min. BalanceAPY*
1 year$500.25%
1 year$2000.30%
1 year$25,000.40%
1 year$50,000.50%
Effective4/1/2020
*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*
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%
Effective 4/1/2020
*APY is Annual Percentage Yield. Rates subject to change without notice.

Loans Rates

Type
TermAPR*
Auto Loans5 yrs3.24%
Auto Loans6 yrs3.49%
RV5 yrs4.99%
ATV5 yrs4.99%
Motorcycles5 yrs4.99%
Boats & Watercraft5 yrs4.99%
Personal 5 yrs8.00%
VISA Credit Variable7.99%
VISA Debit Variable8.99%
Effective4/01/2020
*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
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 5.00%
Effective 4/1/2019
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
6 mos$5000.50%0.50%$100,0000.60%0.60%
9 mos$5000.75%0.75%$100,0000.85%0.85%
1 yr$5000.60%0.60%$100,0000.70%0.70%
18 mos$5000.55%0.55%$100,0000.65%0.65%
2 yrs$5000.90%0.90%$100,0001.00%1.00%
3 yrs$5001.10%
1.09%$100,0001.20%1.19%
4 yrs$5001.25%1.24%$100,0002.20%1.34%
5 yrs$5001.35%1.34%$100,0001.45%1.44%
IRA CDAbove rates+.10%Above rates+.10%Above rates+.10%Above rates+.10%
Effective3/17/2020
*APY is Annual Percentage Yield. No deposits or withdrawals allowed before maturity. Rates subject to change without notice.

IRA CERTIFICATE RATES - Same rate as above plust 0.10%.

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 $10,000.00 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.

Renewal Policy: Your certificate will be automatically renewed at maturity for another term. You have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. You may elect not to have your certificate renewed automatically.

Nontransferable: Your certificate is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation except with the credit union. IRA certificates cannot be pledged on any loans due to government requirements.

Compounding & Crediting: Dividends will be compounded monthly and credited monthly. The dividend period is monthly. The certificate will begin earning interest on the first day of the deposit and end on the date of maturity. Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day. You have the option of having the interest compound on the certificate or be transferred to your share or checking account. If you closed your account before dividends are paid, you will not receive the accrued dividends.

Minimum Balance Requirements: The minimum balance requirements to open an account and to obtain the disclosed annual percentage yield are set forth herein.

Transaction limitations: You may not make additions into a Regular Certificate or IRA Certificate account after it has been initially funded. Exceptions apply. You may elect to have dividends transferred automatically to another account at the credit union. You may elect to have your dividends mailed to you by check.
Maturity: Your certificate account will mature on the maturity date set forth on your account receipt or maturity notice.





Flex Certificates

Flex Certificates

Term
Min. BalanceAPY*
1 year$500.25%
1 year$2000.30%
1 year$25,000.40%
1 year$50,000.50%
Effective4/1/2020
*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*
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%
Effective 4/1/2020
*APY is Annual Percentage Yield. Rates subject to change without notice.
Loans

Loans Rates

Type
TermAPR*
Auto Loans5 yrs3.24%
Auto Loans6 yrs3.49%
RV5 yrs4.99%
ATV5 yrs4.99%
Motorcycles5 yrs4.99%
Boats & Watercraft5 yrs4.99%
Personal 5 yrs8.00%
VISA Credit Variable7.99%
VISA Debit Variable8.99%
Effective4/01/2020
*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
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 5.00%
Effective 4/1/2019
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.