Rates

Effective: July 2, 2018
Loan Type Term APR
Auto 60 Months 3.49%
Auto 72 Months 3.74%
RV 60 Months 4.74%
ATV 60 Months 4.74%
Utility Trailers 60 Months 4.74%
Personal Loans 36 Months 9.00%
VISA Credit Cards Revolving 9.74% Variable
VISA Debit Cards Revolving 10.74% Variable
Home Equity Line of Credit (HELOC) Revolving 5.00%
First Mortgage 30 Year Fixed Contact Credit Union for Rate
First Mortgage 15 Year Fixed Contact Credit Union for Rate
  • APR is Annual Percentage Rate.
  • All rates are OAC and base on your credit experience.
  • Rates disclosed are our best rates. Your rate could be higher based on your credit history.
  • Utah Heritage may acquire a security interest in the property purchased with borrowed funds.
  • All rates are subject to change without notice.
Effective: April 1, 2018
Account Type Minimum Balance APY
Suffix #1 $25 0.00%
$100 0.10%
$2,500 0.10%
All Other Shares &
Youth Accounts
$0 0.00%
$100 0.10%
$2,500 0.10%
Share Draft - Suffix #9 $0 0.00%
Business Sweep - Suffix #11 $0 0.00%
IRA - Suffix #5 & 6 $0 0.10%
$100 0.20%
$2,500 0.30%
Money Market Account - Suffix #10
Two (2) withdrawals per calendar month.
$0 0.00%
$500 0.10%
$2,000 0.20%
$25,000 0.30%
$50,000 0.40%
  • APY is Annual Percentage Yield.
  • Rates subject to change without notice.
Effective: July 3, 2018
Deposit Term Minimum Balance APY Jumbo Balance Jumbo APY
6 Months $500 0.35% $100,000 0.45%
9 Months $500 0.75% $100,000 0.85%
12 Months $500 2.25% $100,000 2.35%
**18 Month Youth $25 0.55% N/A N/A
18 Months $500 0.55% $100,000 0.65%
24 Months $500 1.11% $100,000 1.21%
36 Months $500 3.00% $100,000 3.10%
48 Months $500 1.16% $100,000 1.26%
60 Months $500 3.25% $100,000 3.30%

Youth Account CD: Ages 0-17 have the option of opening a certificate in their account with a $25.00 minimum opening deposit. Minimum $25.00 deposits. You can deposit up to $2500.00 during the term of the certificate. Rates on Youth Certificates are the same as the Regular Certificate Rates.

IRA Certificates same as above plus .10%.

**18 Month CD Requirements: Monthly automatic transfers from savings or checking to the CD account. Minimum monthly transfer amount: Youth Accounts $10.00, all other accounts $25.00. At the end of the 15 month term the CD will be transferred into the members savings account.

  • APY is Annual Percentage Yield.
  • No Deposits or Withdrawals allowed.
  • Early closure penalty may apply.
  • IRA Certificate same rate as above plus .10%.
  • Rates subject to change without notice.
Effective: April 1, 2018
Deposit Term Minimum Balance APY
12 Months $500 0.25%
12 Months $2,000 0.30%
12 Months $25,000 0.40%
12 Months $50,000 0.50%
  • APY is Annual Percentage Yield.
  • Unlimited Deposits in $200 increments.
  • One Withdrawal per calendar month.
  • Must remain above minimum balance for type requested.
  • Early closure penalty may apply if you fall below minimum balance in term.
  • Rates subject to change without notice.