First Heritage rates: up to 4.16% APY
credit union · NCUA CHARTER 9604 · www.fhfcu.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| APEX Saver | Up to $50,000 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| APEX Saver | 0.75% | APY | 2026-11-01 | since 2026-11-01 | ||
| APEX Saver | Portion of Balance over $50,000 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings Account | $0.00 to $9,999.99 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings Account | $10,000.00 to $49,999.99 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings Account | $50,000.00 to $99,999.99 | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings Account | $100,000.00 to $249,999.99 | 0.35% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings Account | Over $250,000.00 | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $100.00 to $9,999.99 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $10,000.00 to $49,999.99 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $50,000.00 to $99,999.99 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $100,000.00 to $249,999.99 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | Over $250,000 | 0.30% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Jumbo Certificate | 3 Month Jumbo | 2.17% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificate | 3 Months | 2.02% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificate | 6 Month Jumbo | 3.86% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificate | 6 Months | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificate | 12 Month Jumbo | 3.91% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificate | 12 Months | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificate | 18 Month Jumbo | 3.91% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificate | 18 Months | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificate | 24 Month Jumbo | 4.16% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificate | 24 Months | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificate | 36 Month Jumbo | 3.96% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificate | 36 Months | 3.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificate | 48 Month Jumbo | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificate | 48 Months | 3.85% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificate | 60 Month Jumbo | 4.11% | APY | 2026-11-01 | since 2026-11-01 | |
| Jumbo Certificate | 60 Months | 3.95% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Account | $2,500 to $49,999 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $50,000 to $99,999 | 0.65% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $100,000 to $249,999 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | Over $250,000 | 1.26% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.fhfcu.org/certificate-spotlight | — | extract-failed | |
| www.fhfcu.org/save/savings-accounts | 2026-11-02 01:44 UTC | ok | 4f70fca99d4d |
| www.fhfcu.org/rates | 2026-11-02 00:03 UTC | ok | 94548a6268b9 |