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First Heritage Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.fhfcu.org
607-936-4667
202 Denison Pkwy E
Corning, NY 14830

First Heritage Federal Credit Union is headquartered in Corning and is the 26th largest credit union in the state of New York. It is also the 562nd largest credit union in the nation. It was established in 1954 and as of March of 2025, it had grown to 146 employees and 48,806 members at 9 locations. First Heritage Federal Credit Union has an A health rating.

Field of Membership Restrictions

First Heritage Federal Credit Union offers membership to those who live, work, worship, or attend school in the New York counties of Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, or Yates, or the Pennsylvania counties of Bradford, Lycoming, Potter, or Tioga. Immediate members of any eligible to join First Heritage FCU also qualify for membership.
See current membership details

Reviews

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #9604
Year Chartered1954
Employees146
Primary Regulator
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD7.03%
Annual Interest Income$9.1MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$771MM$719.3MM
LoansQ1 2025vs Q1 2024$569.5MM$535.6MM
DepositsQ1 2025vs Q1 2024$689.7MM$641.2MM
Equity CapitalQ1 2025vs Q1 2024$79.7MM$70.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$4.8MM$4.2MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.6MM$1.1MM
Real Estate OwnedQ1 2025vs Q1 2024$137K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates

Rates for First Heritage Federal Credit Union are currently being reviewed.

Locations


First Heritage Federal Credit Union Locations
Branch Office11 Steuben StAddison, NY 14801
Branch Office501 Gardner RdHorseheads, NY 14845
Branch Office1707 Cedar StElmira, NY 14904
Branch Office218 Prescott AveElmira Heights, NY 14903
Branch Office17 East AveWellsboro, PA 16901
Branch Office110 Village SqPainted Post, NY 14870-1349
Branch Office1550 S Main St Ste 1Mansfield, PA 16933-9586
Branch Office167 Seneca StHornell, NY 14843
Corporate Office202 Denison Pkwy ECorning, NY 14830-2813

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