# United Heritage Credit Union CD and share certificate rates

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%).

Canonical page: https://apyledger.com/cd-rates/united-heritage-credit-union
Institution: United Heritage Credit Union (NCUA 68251)
Aliases: 
Status: live
Last verified: 2026-10-23T02:11:20.000Z (October 22, 2026)
Official source: https://www.uhcu.org/investments/certificates-of-deposit
Coverage: Membership required. Certificates of deposit from 3 to 60 months with a $1,000 minimum to open and keep. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit (CD) | relationship | 3 months | $1,000 | 2.51% | Not ZIP-priced | −1.79% | 2026-10-23T02:11:20.000Z | [Snapshot 885](https://apyledger.com/snapshots/885) |
| Certificate of Deposit (CD) | relationship | 6 months | $1,000 | 3.65% | Not ZIP-priced | −0.75% | 2026-10-23T02:11:20.000Z | [Snapshot 885](https://apyledger.com/snapshots/885) |
| Certificate of Deposit (CD) | relationship | 12 months | $1,000 | 3.91% | Not ZIP-priced | −0.66% | 2026-10-23T02:11:20.000Z | [Snapshot 885](https://apyledger.com/snapshots/885) |
| Certificate of Deposit (CD) | relationship | 18 months | $1,000 | 3.91% | Not ZIP-priced | −0.81% | 2026-10-23T02:11:20.000Z | [Snapshot 885](https://apyledger.com/snapshots/885) |
| Certificate of Deposit (CD) | relationship | 24 months | $1,000 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-23T02:11:20.000Z | [Snapshot 885](https://apyledger.com/snapshots/885) |
| Certificate of Deposit (CD) | relationship | 36 months | $1,000 | 3.65% | Not ZIP-priced | −1.30% | 2026-10-23T02:11:20.000Z | [Snapshot 885](https://apyledger.com/snapshots/885) |
| Certificate of Deposit (CD) | relationship | 48 months | $1,000 | 3.50% | Not ZIP-priced | −1.48% | 2026-10-23T02:11:20.000Z | [Snapshot 885](https://apyledger.com/snapshots/885) |
| Certificate of Deposit (CD) | relationship | 60 months | $1,000 | 3.45% | Not ZIP-priced | −1.56% | 2026-10-23T02:11:20.000Z | [Snapshot 885](https://apyledger.com/snapshots/885) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.