HeritageWest share certificates are a better way to save.

With flexible terms and great rates, you can truly get the return you want.

HeritageWest’s share certificate rates are among the most competitive rates in the market. We’ve got a great rate for every term, so that you can earn your dividends with flexibility. Start saving for education, retirement, vacations, or just a rainy day. Open your share certificate today.

At HeritageWest:

  • Share Certificates are federally insured to at least $250,000
  • Renewal options include automatic renewal
  • You can fund your share certificate online
  • You can open your account with as little as $100*


Selectterm

Benefits of a HeritageWest share certificate.

  • Share certificates earn a higher percentage rate than a traditional savings account
  • Because a share certificate is a “hands-off” way to save, your earnings grow consistently
  • Share certificates automatically renew if you want to keep watching your nest-egg grow
  • HeritageWest offers flexible certificate terms (Flex-Term) –from 6 months to 71 months


Choose your term and yield.


HeritageWest share certificates are a very stable way to earn a return with very little risk. If you have money in a savings account, but you aren’t earning any interest, move it to HeritageWest today. Opening your account online takes just a few minutes!

Term Dividend Rate APY** Minimum Balance
60-71 Month

1.80%
1.80%
1.80%
1.45%
1.30%
1.30%

1.81%
1.81%
1.81%
1.46%
1.31%
1.31%

$100,000 - over
$50,000 - $99,999.99
$25,000 - $49,999.99
$10,000 - $24,999.99
$500 - $9,999.99
$100* - $499.99*

48-59 Month 1.45%
1.45%
1.45%
1.35%
1.20%
1.20%
1.46%
1.46%
1.46%
1.36%
1.21%
1.21%

$100,000 - over
$50,000 - $99,999.99
$25,000 - $49,999.99
$10,000 - $24,999.99
$500 - $9,999.99
$100 - $499.99*

36-47 Month 1.45%
1.45%
1.45%
1.35%
1.20%
1.20%
1.46%
1.46%
1.46%
1.36%
1.21%
1.21%
$100,000 - over
$50,000 - $99,999.99
$25,000 - $49,999.99
$10,000 - $24,999.99
$500 - $9,999.99
$100 - $499.99*
24-35 Month 1.20%
1.20%
1.20%
1.05%
0.90%
0.90%
1.21%
1.21%
1.21%
1.05%
0.90%
0.90%
$100,000 - over
$50,000 - $99,999.99 
$25,000 - $49,999.99
$10,000 - $24,999.99
$500 - $9,999.99
$100 - $499.99*
18-23 Month 1.10%
1.10%
1.10%
1.05%
0.90%
0.90%
1.10%
1.10%
1.10%
1.05%
0.90%
0.90%
$100,000 - over
$50,000 - $99,999.99 
$25,000 - $49,999.99
$10,000 - $24,999.99
$500 - $9,999.99
$100 - $499.99*
12-17 Month 1.00%
1.00%
1.00%
0.90%
0.75%
0.75%
1.00%
1.00%
1.00%
0.90%
0.75%
0.75%
$100,000 - over
$50,000 - $99,999.99 
$25,000 - $49,999.99
$10,000 - $24,999.99
$500 - $9,999.99
$100 - $499.99*
6-11 Month 0.65%
0.65%
0.65%
0.65%
0.50%
0.50%
0.65%
0.65%
0.65%
0.65%
0.50%
0.50%
$100,000 - over
$50,000 - $99,999.99 
$25,000 - $49,999.99
$10,000 - $24,999.99
$500 - $9,999.99
$100 - $499.99*
12 Month No Penalty (Share Certificate Only) 0.45%
0.45%
0.40%
0.40%
0.35%
0.30%
0.45%
0.45%
0.40%
0.40%
0.35%
0.30%
$100,000 - over
$50,000 - $99,999.99 
$25,000 - $49,999.99
$10,000 - $24,999.99
$500 - $9,999.99
$100 - $499.99*


Selectterm


* Available for Youth Certificates only. Youth Certificate Accounts are for members under the age of 18. Additional deposits can be made to a youth certificate account to encourage savings. Once the owner turns 19, the additional deposit feature is not available.

** The Annual Percentage Yield (APY) assumes dividends will remain on deposit until Maturity.

*** Legacy certificates purchased prior to August 1, 2013 will receive a .25% increase over the current rate excluding the $90,000 and above tiers.

The Fees and Charges that will be assessed to the account are reflected in the Disclosure of Fees and Charges. Early Withdrawals are subject to an early withdrawal penalty. Flex Certificates will automatically renew at the lower standard certificate term for the rate in effect on the renewal date, unless the owner(s) notifies the credit union to the contrary on or before the maturity date. Dividends are compounded and credited quarterly. Rates subject to change Please call (757) 552-1000 or (800) 678-8765 to obtain current rate information


*APY=Annual Percentage Yield. Rates effective as of 08/20/15. Rates only available online or by telephone. Rates are subject to change without notice and the offer may be withdrawn at any time. This offer may not be combined with any other offer. Fees and other conditions could reduce earnings. Penalty associated with early withdrawal. Some restrictions may apply. New money only. Existing deposits at Chartway Federal Credit Union, HeritageWest Credit Union, or SouthWest Community Credit Union are not eligible for this offer.The following certificate accounts are not available as web certificates: minor, business, trust or IRA.

Click here for required disclosures.

Enjoy the benefits of HeritageWest Credit Union membership today!

No matter where life takes you, HeritageWest is here to help. Because once you're a member, you're always a member.