Members Heritage rates: up to 4.50% APY
credit union · NCUA CHARTER 68661 · www.membersheritage.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Health Savings Account (HSA) | 0.50% | APY | 2026-11-01 | since 2026-11-01 | ||
| IRA Savings Account | N/A | 0.50% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 3-Month CD | 91 Days | 1.40% | APY | 2026-11-01 | since 2026-11-01 | |
| 6-Month CD | 182 Days | 3.95% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 1 Year | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 1-Year CD | 12 months | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 15-Month CD | Special Promotion: 15-Month | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate promotion: Special 15-Month @ | 15 months | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| 2-Year CD | 2 Year | 4.35% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 2-Year CD | 24 months | 4.35% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Year CD | 3 Year | 4.40% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 3-Year CD | 36 months | 4.40% | APY | 2026-11-01 | since 2026-11-01 | |
| 4-Year CD | 4 Year | 4.45% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 4-Year CD | 48 months | 4.45% | APY | 2026-11-01 | since 2026-11-01 | |
| 5-Year CD | 5 Year | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 5-Year CD | 60 months | 4.50% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Account | $2500 - $9,999.99 | 1.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $10,000 - $24,999.99 | 1.95% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $25,000 - $49,999.99 | 2.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $50,000- $99,999.99 | 2.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $100,000 or greater | 2.50% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.membersheritage.org/certificates | 2026-11-02 02:43 UTC | ok | 28d50393fa34 |
| www.membersheritage.org/deposit-rates | 2026-11-02 02:43 UTC | ok | 32ff88323b05 |
| www.membersheritage.org/rates | — | extract-failed |