Certificate Accounts

If you're looking for a higher return on your savings and don't need immediate liquidity, you may want to consider a Utah Heritage Credit Union Certificate account. Our Certificates generally pay higher dividends than regular share accounts, but usually require larger minimum deposits and longer terms of deposit.

Regular Share Certificates (CDs)

Our Share Certificates pay a highly competitive rate of return. Terms range from 6 months to 60 months with a minimum investment of $500.00. Dividends are paid monthly. You have the option of having interest compound on the certificate or be transferred to you share or checking account.

Flex Certificates

  • 12 month terms
  • Minimum / Maximum Balance by type:
    • Type A = $500.00 - above
    • Type B = $2,000.00 - above
    • Type C = $25,000.00 - above
    • Type D = $50,000.00 - above
  • Unlimited deposits in $200.00 increments
  • One Withdrawal per calendar month
  • Must remain above minimum balance for type requested

Youth Account CD

Ages 0-17 have the option of opening a certificate in their account with a $100.00 minimum opening deposit.

And just like your Share Savings account, all Certificate accounts are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

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