Heritage Federal Credit Union CD Account Review: 0.30% to 2.02% APY CD Rates

Available to customers across the US, Heritage Federal Credit Union can help you build a savings plan that works for your schedule. Choose from their widest variety of terms to help you achieve short-term goals or long-term dreams with CIT Bank Term CDs that offers competitive rates of 0.72% APY on a 6-Month CD to 1.70% APY on a 60-Month CD. There are a range of choices with low minimum deposits, and a selection of terms to meet your needs. With no account opening or maintenance fees, and daily compounding interest to maximize your earning potential, let CIT Bank help you find the right account for your needs and earn more than the national average!

Heritage Federal Credit Union CDs provide a safe, secure way to grow your savings. Choose from a selection of CD rates and terms to help you stay on target for your savings goals. CIT Bank offers many types of CDs including, Term CDs (most basic), RampUp Plus CDs, RampUp CDs, and Jumbo CDs. Find what’s right for you and sign up today!

For a limited time you can get high rate of 0.90% APY on their 15-month CD. with only a $500 minimum opening balance. Go to HFCU 15-Month Certificate Special for more information.

Heritage FCU CD Information:

• Apply Now
  
• Account Type: CD Account
• APY Rates: % – %
• Availability: IN (Bank Locator)
• CD Lengths: 6 – 60 months
• Credit Inquiry: Hard Pull or Soft Pull? Let us know.
• Opening Deposit: $1000
• Additional Requirements: None
• Early Withdrawal Fee: A penalty will be imposed if you make a withdrawal of principal prior to the maturity date.
• Auto-Renewal: Yes, you get notified 30 days prior to maturity of your CD and you will have 10 days after maturity to cancel the automatic renewal.

Heritage FCU CD Terms:

• % APY for a -Month CD
• % APY for a 12-Month CD
• % APY for a 24-Month CD
• % APY for a 36-Month CD
• % APY for a 48-Month CD
• % APY for a 60-Month CD

Why You Should Apply for This Account:

Extremely Easy to Open an Account: To open an account you must be a U.S. citizen or resident alien that is 18 years or older, you must have a U.S. address, a Social Security number, and a driver’s license or state-issued ID, and you must have a check or bank account number to electronically transfer money into your new CIT Bank account.

Low Minimum Deposit: As long as you open your CD with at least $1,000, you will earn interest at the highest rate in the country.

Competitive Rate: At 1.70% APY, the CD account earns more than the national average. Interest is also compounded daily and credited monthly.

NCUA Insured: You can feel confident knowing that your funds are insured up to the maximum amount of $250,000.

Other Heritage FCU CD’s:

If you have more money to invest and you’re looking for an even higher return on a CD, you should consider signing up for Bank’s RampUp Plus CDs, RampUp CDs, or Jumbo CDs. This account is available in 12 and 24-month terms and has a minimum opening deposit of $25,000. You also have the ability to add to your initial deposit once during the term of your CD, and if the bank’s rates go down, you will still earn at the original higher rate. There are no fees for this account and it’s also FDIC insured up to $250K.

Bottom Line:

Check out Heritage Federal Credit Union online CD accounts and earn interest rate up to 1.70% APY. With a low opening minimum deposit of $1,000 and no fees, you will definitely get a satisfying return on your investment. Keep in mind that you won’t be able to access your funds once you sign up. This is a great chance to invest in a high-interest CD account from CIT Bank. For investors looking to earn higher returns on longer CDs, you can find more of the Best CD Rates in the country from the HMB list!

Disclaimer: Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.

The American Express® Gold Card offers 75,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. You'll earn: • 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. • 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. • 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. • 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. • 1X Membership Rewards® point per dollar spent on all other eligible purchases. Other benefits: • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That's up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards points for Uber Eats purchases made at restaurants or U.S. supermarkets. Point caps and terms apply. • $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express(R) Gold Card at U.S. Dunkin' locations. • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express(R) Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required. • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express(R) Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required. • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property. This card has an annual fee of $325 with no foreign transaction fees (See Rates & Fees). Terms Apply. Click here to learn how to apply