Rates

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Celebrate the Best Rates!

Savings Certificates

Term
Min BalanceAPY*Div Rate
6 mos$5005.25%5.13%
9 mos$5005.25%5.13%
1 yr$5005.25%5.13%
18 mos$5004.50%4.41%
2 yrs$5002.80%2.76%
3 yrs$5003.75%3.69%
4 yrs$5003.75%3.69%
5 yrs$5003.75%3.69%
IRA CDAbove rates+.10%Above rates+.10%
Effective10/1/2023
*APY is Annual Percentage Yield. No deposits or withdrawals allowed before maturity. Rates subject to change without notice.

IRA CERTIFICATE RATES - Same rate as above plus 0.10%.

Youth Account CD: Ages 0-17 have the option of opening a certificate in their account with a $25.00 minimum opening deposit. Subsequent deposits must be a minimum of $25.00. You can deposit up to $10,000.00 during the term of the certificate. Rates on Youth Certificates are the same as the Regular Certificate Rates.

Early Withdrawal Penalty - An early withdrawal penalty will apply to any certificate cashing in before the maturity date. A 90 day loss of interest penalty will apply top any certificate with a term of 12 months or less. A 180 day loss of interest will apply to any certificate with a term of 13 months or more. The penalty is calculated as a forfeiture of part of the interest that has or would be earned on the account with a minimum of $15.00. It applies whether or not the interest has been earned. The penalty may be deducted from the principal if no interest has accrued. There are certain circumstances, such as the death or incompetence of any owner, where we may waive a reduce this penalty.

Renewal Policy: Your certificate will be automatically renewed at maturity for another term. You have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. You may elect not to have your certificate renewed automatically.

Nontransferable: Your certificate is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation except with the credit union. IRA certificates cannot be pledged on any loans due to government requirements.

Compounding & Crediting: Dividends will be compounded monthly and credited monthly. The dividend period is monthly. The certificate will begin earning interest on the first day of the deposit and end on the date of maturity. Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day. You have the option of having the interest compound on the certificate or be transferred to your share or checking account. If you closed your account before dividends are paid, you will not receive the accrued dividends.

Minimum Balance Requirements: The minimum balance requirements to open an account and to obtain the disclosed annual percentage yield are set forth herein.

Transaction limitations: You may not make additions into a Regular Certificate or IRA Certificate account after it has been initially funded. Exceptions apply. You may elect to have dividends transferred automatically to another account at the credit union. You may elect to have your dividends mailed to you by check.
Maturity: Your certificate account will mature on the maturity date set forth on your account receipt or maturity notice.





Flex Certificates

Term
Min. BalanceAPY*DIV RATE
1 year$500.50%.50%
1 year$2000.55%.55%
1 year$25,000.60%.60%
1 year$50,000.65%.65%
Effective7/1/2023
*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.

Early Withdrawal Penalty - An early withdrawal penalty will apply to any certificate cashing in before the maturity date. A 90 day loss of interest penalty will apply top any certificate with a term of 12 months or less. A 180 day loss of interest will apply to any certificate with a term of 13 months or more. The penalty is calculated as a forfeiture of part of the interest that has or would be earned on the account with a minimum of $15.00. It applies whether or not the interest has been earned. The penalty may be deducted from the principal if no interest has accrued. There are certain circumstances, such as the death or incompetence of any owner, where we may waive a reduce this penalty.

Savings Rates

Type
Min. BalanceAPY*
Money Market Account$0 - 4990.00%
$100 - $24990.10%
$500 - $24,999.991.50%
$25,000 - $49,999.992.50%
$50,000 - $99,999.993.50%
$100,000 +4.25%
Share Savings - Suffix#1 $0 - $99.99.00%
$100 - $2499.05%
$2500 +.05%
All Other Shares & Youth Accounts$0 - $99.99.00%
$100 - $2499.05%
$2500 +.05%
Share Draft.00%
Business Sweep .00%
IRA - Suffix #5 & 6$0 - $99.99.00%
$2500 +.20%
Effective 9/6/2023
*APY is Annual Percentage Yield. Rates subject to change without notice.

Loans Rates

Type
TermAPR*
Auto Loans5 yrs6.99%
Auto Loans6 yrs7.24%
Auto Loans7 yrs7.49%
ATVs/Boats/RVs/Motorcycles
5 yrs7.99%
ATVs/Boats/RVs/Motorcycles6 yrs8.24%
ATVs/Boats/RVs/Motorcycles7 yrs8.49%
Personal 5 yrs12.99%
VISA Credit CardVariable13.24%
Overdraft Protection LoansVariable13.75%
Effective10/1/2023
*APR is Annual Percentage Rate. All rates are on approved credit and based on your credit experience.
Rates disclosed are our best rates. Your rate could be higher based on your credit history FICO Score and term.
Utah Heritage CU may acquire a security interest in the property purchased with borrowed funds.
All rates are subject to change without notice.

Home Loans

Type
TermAPR
First Mortgage30 year fixedContact CU for current rate
First Mortgage15 year fixed Contact CU for current rate
2nd Mortgage10 year fixed Contact CU for current rate
Home Equity Line of CreditVariableas low as 8.50%
Effective 2/1/2024
APR is Annual Percentage Rate. All rates are on approved credit and based on your credit experience. Rates disclosed are our best rates. Your rate could by higher based on your credit history. Utah Heritage CU may acquire a security interest in the property purchased with borrowed funds. All rates are subject to change without notice.
Savings Certificates

Savings Certificates

Term
Min BalanceAPY*Div Rate
6 mos$5005.25%5.13%
9 mos$5005.25%5.13%
1 yr$5005.25%5.13%
18 mos$5004.50%4.41%
2 yrs$5002.80%2.76%
3 yrs$5003.75%3.69%
4 yrs$5003.75%3.69%
5 yrs$5003.75%3.69%
IRA CDAbove rates+.10%Above rates+.10%
Effective10/1/2023
*APY is Annual Percentage Yield. No deposits or withdrawals allowed before maturity. Rates subject to change without notice.

IRA CERTIFICATE RATES - Same rate as above plus 0.10%.

Youth Account CD: Ages 0-17 have the option of opening a certificate in their account with a $25.00 minimum opening deposit. Subsequent deposits must be a minimum of $25.00. You can deposit up to $10,000.00 during the term of the certificate. Rates on Youth Certificates are the same as the Regular Certificate Rates.

Early Withdrawal Penalty - An early withdrawal penalty will apply to any certificate cashing in before the maturity date. A 90 day loss of interest penalty will apply top any certificate with a term of 12 months or less. A 180 day loss of interest will apply to any certificate with a term of 13 months or more. The penalty is calculated as a forfeiture of part of the interest that has or would be earned on the account with a minimum of $15.00. It applies whether or not the interest has been earned. The penalty may be deducted from the principal if no interest has accrued. There are certain circumstances, such as the death or incompetence of any owner, where we may waive a reduce this penalty.

Renewal Policy: Your certificate will be automatically renewed at maturity for another term. You have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. You may elect not to have your certificate renewed automatically.

Nontransferable: Your certificate is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation except with the credit union. IRA certificates cannot be pledged on any loans due to government requirements.

Compounding & Crediting: Dividends will be compounded monthly and credited monthly. The dividend period is monthly. The certificate will begin earning interest on the first day of the deposit and end on the date of maturity. Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day. You have the option of having the interest compound on the certificate or be transferred to your share or checking account. If you closed your account before dividends are paid, you will not receive the accrued dividends.

Minimum Balance Requirements: The minimum balance requirements to open an account and to obtain the disclosed annual percentage yield are set forth herein.

Transaction limitations: You may not make additions into a Regular Certificate or IRA Certificate account after it has been initially funded. Exceptions apply. You may elect to have dividends transferred automatically to another account at the credit union. You may elect to have your dividends mailed to you by check.
Maturity: Your certificate account will mature on the maturity date set forth on your account receipt or maturity notice.





Flex Certificates

Flex Certificates

Term
Min. BalanceAPY*DIV RATE
1 year$500.50%.50%
1 year$2000.55%.55%
1 year$25,000.60%.60%
1 year$50,000.65%.65%
Effective7/1/2023
*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.

Early Withdrawal Penalty - An early withdrawal penalty will apply to any certificate cashing in before the maturity date. A 90 day loss of interest penalty will apply top any certificate with a term of 12 months or less. A 180 day loss of interest will apply to any certificate with a term of 13 months or more. The penalty is calculated as a forfeiture of part of the interest that has or would be earned on the account with a minimum of $15.00. It applies whether or not the interest has been earned. The penalty may be deducted from the principal if no interest has accrued. There are certain circumstances, such as the death or incompetence of any owner, where we may waive a reduce this penalty.

Savings

Savings Rates

Type
Min. BalanceAPY*
Money Market Account$0 - 4990.00%
$100 - $24990.10%
$500 - $24,999.991.50%
$25,000 - $49,999.992.50%
$50,000 - $99,999.993.50%
$100,000 +4.25%
Share Savings - Suffix#1 $0 - $99.99.00%
$100 - $2499.05%
$2500 +.05%
All Other Shares & Youth Accounts$0 - $99.99.00%
$100 - $2499.05%
$2500 +.05%
Share Draft.00%
Business Sweep .00%
IRA - Suffix #5 & 6$0 - $99.99.00%
$2500 +.20%
Effective 9/6/2023
*APY is Annual Percentage Yield. Rates subject to change without notice.
Loans

Loans Rates

Type
TermAPR*
Auto Loans5 yrs6.99%
Auto Loans6 yrs7.24%
Auto Loans7 yrs7.49%
ATVs/Boats/RVs/Motorcycles
5 yrs7.99%
ATVs/Boats/RVs/Motorcycles6 yrs8.24%
ATVs/Boats/RVs/Motorcycles7 yrs8.49%
Personal 5 yrs12.99%
VISA Credit CardVariable13.24%
Overdraft Protection LoansVariable13.75%
Effective10/1/2023
*APR is Annual Percentage Rate. All rates are on approved credit and based on your credit experience.
Rates disclosed are our best rates. Your rate could be higher based on your credit history FICO Score and term.
Utah Heritage CU may acquire a security interest in the property purchased with borrowed funds.
All rates are subject to change without notice.
Mortgages

Home Loans

Type
TermAPR
First Mortgage30 year fixedContact CU for current rate
First Mortgage15 year fixed Contact CU for current rate
2nd Mortgage10 year fixed Contact CU for current rate
Home Equity Line of CreditVariableas low as 8.50%
Effective 2/1/2024
APR is Annual Percentage Rate. All rates are on approved credit and based on your credit experience. Rates disclosed are our best rates. Your rate could by higher based on your credit history. Utah Heritage CU may acquire a security interest in the property purchased with borrowed funds. All rates are subject to change without notice.

Your savings is 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. More information.

Utah Heritage Credit Union is an Equal Housing Lender.

More info