Certificates

Earn More

Certificates are a smart option if you don’t need instant access to your money and want to earn higher dividends than you can with a savings account.

The terms on our certificates range from 90 days to 60 months. When you decide on the term, you agree to keep the funds deposited for that length of time. After the certificate matures you can withdraw the funds penalty-free, or reinvest to get the most out of your savings.

With a share certificate, the rates are fixed and you are guaranteed a return on your investment. Use the calculator to determine the end balance on your certificate.

The calculators on this website are being provided for educational purposes only. The results are estimates based on information you provide and may not reflect actual results. The results of the calculations are not a promise or guarantee of a customer’s eligibility or terms for a specific product or service.

Open a Share Certificate

Already a member?

You can open a share certificate by selecting ‘open a subshare’ under the accounts tab in online banking, and just follow the steps to open the new certificate. The second option is to go to the existing member application and enter your information manually.

New to Heritage Valley?

First, thank you for choosing Heritage Valley for your savings needs! You can open a new account online, or schedule an appointment at one of our branches.

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Regular & IRA Rates

Term Minimum Balance Rate APY*
6 Months $500 3.20% 3.25%
12 Months $500 4.41% 4.50%
18 Months $500 4.65% 4.75%
24 Months $500 3.45% 3.50%
30 Months $500 2.48% 2.50%
36 Months $500 2.52% 2.55%
48 Months $500 2.62% 2.65%
60 Months $500 2.72% 2.75%

Heritage Gold Rates

Term Minimum Balance Rate APY*
6 Months $10,000 3.25% 3.30%
12 Months $10,000 4.46% 4.55%
18 Months $10,000 4.70% 4.80%
24 Months $10,000 3.49% 3.55%
30 Months $10,000 2.52% 2.55%
36 Months $10,000 2.57% 2.60%
48 Months $10,000 2.67% 2.70%
60 Months $10,000 2.77% 2.80%

*APY = Annual Percentage Yield.

*Certificate specials exclude IRA

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