United Heritage Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, United Heritage Credit Union's highest tracked CD (share certificate) rate is 3.91% APY on a 12-month relationship CD ($1,000 minimum). That is 2.2 times the FDIC national average for 12-month CDs (1.76%).
Tracking began .
United Heritage Credit Union CD & share certificate rates
Membership required. Certificates of deposit from 3 to 60 months with a $1,000 minimum to open and keep. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Certificate of Deposit (CD) Relationship | $1,000 | 2.51% | −1.79% | Verified October 22, 2026 |
| 6 months | Certificate of Deposit (CD) Relationship | $1,000 | 3.65% | −0.75% | Verified October 22, 2026 |
| 12 months | Certificate of Deposit (CD) Relationship | $1,000 | 3.91% | −0.66% | Verified October 22, 2026 |
| 18 months | Certificate of Deposit (CD) Relationship | $1,000 | 3.91% | −0.81% | Verified October 22, 2026 |
| 24 months | Certificate of Deposit (CD) Relationship | $1,000 | 3.75% | −1.12% | Verified October 22, 2026 |
| 36 months | Certificate of Deposit (CD) Relationship | $1,000 | 3.65% | −1.30% | Verified October 22, 2026 |
| 48 months | Certificate of Deposit (CD) Relationship | $1,000 | 3.50% | −1.48% | Verified October 22, 2026 |
| 60 months | Certificate of Deposit (CD) Relationship | $1,000 | 3.45% | −1.56% | Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are United Heritage Credit Union's best CD rates by term?
United Heritage Credit Union's best rate is 3.91% APY on 12 months, verified October 22, 2026.
- 3 mo2.51%
- 6 mo3.65%
- 12 mo3.91%
- 18 mo3.91%
- 24 mo3.75%
- 36 mo3.65%
- 48 mo3.50%
- 60 mo3.45%
How much interest could a United Heritage Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$391.00 interest · $10,391.00 at maturity on $10,000.00.
3.91% APY · 12 months · Certificate of Deposit (CD) · Relationship · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $31.002.51% APY · Certificate of Deposit (CD) · Relationship | $62.002.51% APY · Certificate of Deposit (CD) · Relationship | $154.992.51% APY · Certificate of Deposit (CD) · Relationship | $309.992.51% APY · Certificate of Deposit (CD) · Relationship |
| 6 months | $90.683.65% APY · Certificate of Deposit (CD) · Relationship | $181.363.65% APY · Certificate of Deposit (CD) · Relationship | $453.413.65% APY · Certificate of Deposit (CD) · Relationship | $906.823.65% APY · Certificate of Deposit (CD) · Relationship |
| 12 months | $195.503.91% APY · Certificate of Deposit (CD) · Relationship | $391.003.91% APY · Certificate of Deposit (CD) · Relationship | $977.503.91% APY · Certificate of Deposit (CD) · Relationship | $1,955.003.91% APY · Certificate of Deposit (CD) · Relationship |
| 18 months | $296.383.91% APY · Certificate of Deposit (CD) · Relationship | $592.753.91% APY · Certificate of Deposit (CD) · Relationship | $1,481.883.91% APY · Certificate of Deposit (CD) · Relationship | $2,963.763.91% APY · Certificate of Deposit (CD) · Relationship |
| 24 months | $382.033.75% APY · Certificate of Deposit (CD) · Relationship | $764.063.75% APY · Certificate of Deposit (CD) · Relationship | $1,910.163.75% APY · Certificate of Deposit (CD) · Relationship | $3,820.313.75% APY · Certificate of Deposit (CD) · Relationship |
| 36 months | $567.733.65% APY · Certificate of Deposit (CD) · Relationship | $1,135.453.65% APY · Certificate of Deposit (CD) · Relationship | $2,838.633.65% APY · Certificate of Deposit (CD) · Relationship | $5,677.273.65% APY · Certificate of Deposit (CD) · Relationship |
| 48 months | $737.623.50% APY · Certificate of Deposit (CD) · Relationship | $1,475.233.50% APY · Certificate of Deposit (CD) · Relationship | $3,688.083.50% APY · Certificate of Deposit (CD) · Relationship | $7,376.153.50% APY · Certificate of Deposit (CD) · Relationship |
| 60 months | $924.103.45% APY · Certificate of Deposit (CD) · Relationship | $1,848.203.45% APY · Certificate of Deposit (CD) · Relationship | $4,620.513.45% APY · Certificate of Deposit (CD) · Relationship | $9,241.013.45% APY · Certificate of Deposit (CD) · Relationship |
How United Heritage Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 129 of 369 tracked institutions with fresh 365-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| United Heritage Credit Union (this institution)Certificate of Deposit (CD) · Relationship | 12 months | $1,000 | Membership required · branches in TX | 3.91% | October 22, 2026 |
| T Bank (Dallas)CD · Standard | 12 months | $1,000 | Branches in TX | 4.70% | October 22, 2026 |
| Neches Federal Credit UnionCertificate Rates ($100,000 minimum balance) · Standard | 12 months | $100,000 | Membership required · branches in TX | 4.65% | October 22, 2026 |
| Popular DirectCD · Standard | 12 months | $10,000 | Available nationwide | 4.60% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Membership required · branches in NC, SC, VA | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.57% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking United Heritage Credit Union on October 22, 2026.
About United Heritage Credit Union
- Legal name
- United Heritage Credit Union
- Regulator ID
- NCUA 68251
- Headquarters
- Austin, TX
- Available in
- TX
- Total assets
- $1.7 billion
- Also known as
- Website
- www.uhcu.org
Source: rates read from https://www.uhcu.org/investments/certificates-of-deposit. See the page text we read.
Frequently asked questions
What is the highest CD rate at United Heritage Credit Union?
Among the rates we track, 3.91% APY on a 12-month relationship CD, as of October 22, 2026.
What is the minimum deposit for a United Heritage Credit Union CD?
The lowest minimum we found is $1,000.
How does United Heritage Credit Union's best CD rate compare with Treasury yields?
3.91% APY is −0.66% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.91% a good CD rate?
It is 2.2 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are United Heritage Credit Union CDs insured?
United Heritage Credit Union is a federally insured credit union (NCUA 68251). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at United Heritage Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check United Heritage Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from United Heritage Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with United Heritage Credit Union before opening an account. This page is not financial advice.