Certificate Offer


for 13 months


These numbers sure do add up!

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Not sure what a certificate is? Let us help simplify it for you.

  • Share certificates are a type of credit union savings vehicle similar to the certificates of deposit, or CDs, offered at banks. 
  • They usually offer higher yields than regular savings accounts; in exchange, you leave your money in the account for a specified amount of time, ranging typically from three months to five years. 
  • Longer lengths tend to have better rates than shorter ones. 
  • If you withdraw your money too early, you can be charged a penalty.
  • Money put into one of these accounts by members of federally insured credit unions is safe. Share certificates are generally insured for up to $250,000 through the National Credit Union Administration, or NCUA.

Use our trusty calculator to see how much money you'll make!

*APY is Annual Percentage Yield and assumes dividends will remain on deposit until maturity. Term is 13 months for 2.30% APY. Minimum to open account and earn the stated 2.30% APY is $500. Certificates are subject to an early withdrawal penalty of 5% of the certificate balance at the time of withdrawal. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends, the penalty will be deducted from the principal. All requests for early withdrawals must be submitted to Hudson Heritage FCU in writing. Maintenance or activity fees may reduce earnings on the account. Rate is accurate at the time of publication and is subject to change without notice. This is a limited time offer that may be withdrawn at any time. Certain terms and restrictions apply. Contact a Hudson Heritage FCU Representative for details.