Utah Heritage CU Celebrates 45 Years With 9-month and 45-month CDs


Utah Heritage Credit Union is 45 years old!

To celebrate, two promotional CDs have been added to the credit union's product line: a 9-month CD Special (1.45% APY) and a 45-month CD Special (2.45% APY). The minimum opening deposit for both CDs is a low $500 and there is no maximum balance cap.


Membership in Utah Heritage Credit Union (Utah Heritage) is open to all residents of the Utah counties of Sanpete and Sevier, employees of Utah Heritage Credit Union, and employees and patrons of Moroni Feed Company.

Joining the Utah Heritage and/or opening a CD requires an in-person visit to any of four branches located in Moroni, Ephraim, Gunnison, and Mt. Pleasant.

Membership in Utah Heritage entails more than just filling out an application and opening a $25 share account. According to Utah Heritage’s Membership Eligibility page:

Members of the Credit Unions who terminate their membership will be allowed to rejoin the Credit Union only if they will be productive members. The Credit Union may terminate a membership of a member who causes or will cause a loss to the Credit Union, or who causes problems or displays violent acts with employees or other members or the Credit Union.

Credit Union Overview

Utah Heritage Credit Union has an overall health grade of "B" at DepositAccounts.com, with a Texas ratio of 11.49% (above average), based on June 30, 2014 data. In the past year, Utah Heritage increased its total deposit by $3.18 Million, an excellent annual growth rate of 7.5%. Please refer to our financial overview of Utah Heritage Credit Union for more details.

Organized in 1969 as the Moroni Feed Credit Union, membership at the end of the first year was only 23 members. The first 30 years saw steady growth, but starting in 1999, the credit union expanded into surrounding communities, and in 2004, the field of membership was changed to include residents of a neighboring county. Based on membership growth and scope, the credit union name was changed to Utah Heritage Credit Union in March 2009.

How the Rates Compare

When compared to similar length-of-term CDs tracked by DepositAccounts.com, with any minimum deposit and available to Utah residents, Utah Heritage Credit Union’s 9-month and 45-month CD Specials are both highly competitive.

Interest Rate CD Length Financial Institution
1.45% APY 9-month CD Special Utah Heritage Credit Union
0.86% APY 9-month CD Doral Direct
0.70% APY 9-month CD GE Capital Bank

Interest Rate CD Length Financial Institution
2.45% APY 45-month CD Special Utah Heritage Credit Union
1.95% APY 48-month CD Nationwide Bank
1.85% APY 48-month Online CD Barclays

These rates are accurate as of 11/9/2014.

To look for the best nationwide CD rates and the best CD rates in your state, please refer to our CD rates table.