First Heritage Federal Credit Union

Overview / Commentary
110 Village Square, Suite 101
Painted Post, NY 14870

First Heritage Federal Credit Union is headquartered in Painted Post and is the 28th largest credit union in the state of New York. It is also the 587th largest credit union in the nation. It was established in 1954 and as of June of 2020, it had grown to 114 employees and 43,961 members at 11 locations. First Heritage Federal Credit Union's money market rates are 48% higher than the national average, and it boasts 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 Chemung or Steuben Counties, New York or Tioga County, Pennsylvania.
See current membership details

Reviews (1)

A great place to bank - First Heritage Credit Union

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I have been banking with First Heritage Credit Union since I was a young child. My first checking account was opened up by my parents, and since then I have used First Heritage for many of my other banking needs including opening a savings account, a CD account, and my first credit card. One of the best things about First Heritage is the friendly customer service and the ability to do a lot of different kinds of things. In my rural county, we have a local office right in my hometown, which is super convenient. I know all the tellers and they know me. I love having that personal feel in my banking. I have tried other corporate banks in the past but it's not the same. No where else have I found such attention to detail to my needs while at the same time offering me that small town feel.


Health Grade Components

NCUA #9604
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.32%
Return on Equity - YTD2.82%
Annual Interest Income$8.2MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$555.2MM$488.8MM
LoansQ2 2020vs Q2 2019$363.2MM$319.0MM
DepositsQ2 2020vs Q2 2019$491.4MM$429.4MM
Equity CapitalQ2 2020vs Q2 2019$60.1MM$55.7MM
Loan Loss AllowanceQ2 2020vs Q2 2019$2.5MM$2.3MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$1.0MM$653.00K
Real Estate OwnedQ2 2020vs Q2 2019$104.00K$0
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Always verify rates and promotions with the bank or credit union. We are not First Heritage Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Heritage Federal Credit Union Savings Account Rates

0.75%*-$50kKasasa Saver
OTHER TIERS: 0.20% $50k+
0.50%$5-IRA Share Savings Account
0.10%$100-Share Savings Account
0.10%$5-Kirby Kangaroo Savings Account
0.10%$5-CU Succeed Savings Account
0.10%$5-Holiday Club Account
0.10%$5-Vacation Club Account

First Heritage Federal Credit Union Money Market Rates

0.65%*$250k*-Money Manager Account
OTHER TIERS: 0.15% $2.5k - $50k | 0.35% $50k - $100k | 0.50% $100k - $250k

First Heritage Federal Credit Union Checking Account Rates

2.50%*-$10kKasasa Cash Checking
OTHER TIERS: 0.20% $10k+
0.25%$5-CU Succeed Checking Account
0.25%$5k-Business Checking Account

First Heritage Federal Credit Union CD Rates

1.41%$1k-60 Month Share Certificate
1.26%$1k-48 Month Share Certificate
1.06%$1k-36 Month Share Certificate
0.85%$100k-24 Month Jumbo CD
0.80%$1k-24 Month Share Certificate
0.70%$1k-18 Month Share Certificate
0.60%$100k-12 Month Jumbo CD
0.55%$1k-12 Month Share Certificate
0.45%$1k-6 Month Share Certificate

First Heritage Federal Credit Union IRA Rates

1.41%$1k-60 Month IRA Share Certificate
1.26%$1k-48 Month IRA Share Certificate
1.06%$1k-36 Month IRA Share Certificate
0.80%$1k-24 Month IRA Share Certificate
0.70%$1k-18 Month IRA Share Certificate
0.55%$1k-12 Month IRA Share Certificate
0.45%$1k-6 Month IRA Share Certificate


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