Heritage Family rates: up to 3.75% APY
credit union · NCUA CHARTER 24742 · www.hfcuvt.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| IRA Shares/Savings | 0.25% | APY | 2026-11-01 | since 2026-11-01 | ||
| Share Savings Account | 0.25% | APY | 2026-11-01 | since 2026-11-01 | ||
| Special Purpose Savings Accounts (Holiday, Vacation, Fuel, Tax, etc.) | 0.25% | APY | 2026-11-01 | since 2026-11-01 | ||
| Health Savings Account | $0 - $4,999.99 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | $5,000 & Up | 0.40% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| IRA Term Share Certificates | 3 Month | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Month Share Certificate | 3 Month | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Term Share Certificates | 6 Month | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 6-Month Share Certificate | 6 Month | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Term Share Certificates | 12 Month | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Term Share Certificate | 12 Month | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year Share Certificate | 12 Month | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Term Share Certificates | 18 Month | 2.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Term Share Certificate | 18 Month | 3.30% | APY | 2026-11-01 | since 2026-11-01 | |
| 18-Month Share Certificate | 18 Month | 2.80% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Term Share Certificates | 24 Month | 2.70% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Term Share Certificate | 24 Month | 3.20% | APY | 2026-11-01 | since 2026-11-01 | |
| 2-Year Share Certificate | 24 Month | 2.70% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Term Share Certificates | 36 Month | 2.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Term Share Certificate | 36 Month | 3.10% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Year Share Certificate | 36 Month | 2.60% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Share Accounts Effective 11-01-2026 | $1,000 - $19,999.99 | 1.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Share Accounts Effective 11-01-2026 | $20,000 - $34,999.99 | 1.55% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Share Accounts Effective 11-01-2026 | $35,000 - $49,999.99 | 1.70% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Share Accounts Effective 11-01-2026 | $50,000 & Up | 2.00% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Basic Checking Account | 0.00% | APY | 2026-11-01 | since 2026-11-01 | ||
| Premier Checking Account | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.hfcuvt.com/money-market-savings-account-dividend-rates.html | 2026-11-01 23:44 UTC | ok | 9cf19194ba87 |
| www.hfcuvt.com/rates/deposit-rates.html | 2026-11-01 23:44 UTC | ok | ce43c8ce32ad |
| www.hfcuvt.com/term-share-certificate-dividend-rates.html | 2026-11-01 23:44 UTC | ok | db035d19bb62 |