Hudson Heritage Credit Union

25 Rykowski Lane
Middletown, NY 10941
845-561-5607
www.hhfcu.org

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Hudson Heritage Credit Union is headquartered in MIDDLETOWN and is the 39^th largest credit union in the state of New York. It is also the 755^th largest credit union in the nation. It was established in 1940 and as of December of 2011, it had grown to 80 employees and 21,747 members. Hudson Heritage Credit Union's savings rates are 15% higher than the national average, and it boasts a 5-star health rating.

Very-High Rate Small-Max 7-Month CD In New York (Forum) - 6/12/2011

Hudson Heritage Federal Credit Union is offering a special 7-month CD with a 7.1% APY. Unfortunately, the maximum deposit is only $1,000. If you invest the maximum amount, you'll make $41.42. That's about $35 more than if you put that $1K into a 1.1% savi

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See Rates for: Checking | Savings | Money Market | CD | IRA

Hudson Heritage Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.00%	-	-	Checking Account

Hudson Heritage Credit Union Savings Account Rates

Apy	Min	Max	Product
0.60%	$100k	-	Super Saver
0.25%	-	-	IRA Savings
0.10%	-	-	Share Savings
0.10%	-	-	Holiday Account
0.10%	-	-	Vacation Account
0.10%	-	-	Escrow Account

Hudson Heritage Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.40%	$100k	-	Money Market Account

Hudson Heritage Credit Union CD Rates

Apy	Min	Max	Product
2.00%	$10k	-	60 Month CD
1.60%	$10k	-	48 Month CD
1.30%	$10k	-	36 Month CD
0.95%	$10k	-	24 Month CD
0.65%	$500	-	12 Month CD
0.45%	$2,500	-	6 Month CD

Hudson Heritage Credit Union IRA Rates

Apy	Min	Max	Product
2.00%	$10k	-	60 Month IRA
1.60%	$10k	-	48 Month IRA
1.30%	$10k	-	36 Month IRA
0.95%	$10k	-	24 Month IRA
0.65%	$500	-	12 Month IRA
0.45%	$2,500	-	6 Month IRA

Rates updated: 5/26/2012

Data for Q4 2011

Institution Statistics

HUDSON HERITAGE
NCUA #	3962
BankRate Report	View
Year Chartered	1940
Employees	80
Primary Regulator
Assets and Liabilities
Assets	$240.88 million
Loans	$175.03 million
Deposits	$212.42 million
Equity Capital	$27.15 million
Loan Loss Allowance	$1.35 million
Unbacked Noncurrent Loans	$1.87 million
Historic Data - December 2010
Assets	$223.06 million
Equity Capital	$25.59 million
Loan Loss Allowance	$1.38 million
Unbacked Noncurrent Loans	$1.90 million
Real Estate Owned	$166,000
Profit Margin - Quarterly
Net Interest Margin	5.05%
Return on Assets	0.65%
Return on Equity	5.77%
Interest Income	$10.84 million
Non-Interest Income	$3.23 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Hudson Heritage Credit Union had $1.87 million in non-current loans and owned real-estate with $28.51 million in equity and loan loss allowances on hand to cover it. This gives Hudson Heritage Credit Union a Texas Ratio of 6.56% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Hudson Heritage Credit Union held steady from 7.67% as of December 31, 2010 to 6.56% as of December 31, 2011, resulting in a positive change of 14.55%.This indicates that the balance sheet and financial strength for Hudson Heritage Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Hudson Heritage Credit Union has increased its total deposits by $16.17 million, resulting in 8.24% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Hudson Heritage Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Hudson Heritage Credit Union has $240.88 million in assets with $28.51 million in equity, resulting in a capitalization level of 11.83%, which is above average.