First Heritage Federal Credit Union

Popular Accounts at this Credit Union

3.00%Reward Checking
1.00%Reward Savings
2.00%5-year CD
View all First Heritage Federal Credit Union rates »

Overview / Commentary
110 Village Square, Suite 101
Painted Post, NY 14870-1349

First Heritage Federal Credit Union is headquartered in Painted Post and is the 29th largest credit union in the state of New York. It is also the 594th largest credit union in the nation. It was established in 1954 and as of June of 2018, it had grown to 109 employees and 38,032 members at 10 locations. First Heritage Federal Credit Union's money market rates are 59% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

First Heritage FCU offers membership to Persons who work, worship, live or attend school in Steuben and Chemung Counties, New York and Tioga County, Pennsylvania.
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Reviews (1)

A great place to bank - First Heritage Credit Union

Posted by: mzuchows | Jun 17, 2015

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 - YTD0.37%
Return on Equity - YTD3.34%
Annual Interest Income$6.9MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$457.7MM$452.5MM
LoansQ2 2018vs Q2 2017$296.6MM$276.5MM
DepositsQ2 2018vs Q2 2017$404.2MM$399.3MM
Equity CapitalQ2 2018vs Q2 2017$50.2MM$49.8MM
Loan Loss AllowanceQ2 2018vs Q2 2017$2.0MM$2.1MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$466.00K$1.2MM
Real Estate OwnedQ2 2018vs Q2 2017$24.00K$0
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* 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

1.00%*-$50kKasasa Saver
OTHER TIERS: 0.30% $50k+
0.50%$5-IRA Share Savings Account
0.35%$1k-Summer Pay Certificate
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

0.70%*$250k*-Money Manager Account
OTHER TIERS: 0.25% $2.5k - $50k | 0.40% $50k - $100k | 0.60% $100k - $250k

First Heritage Federal Credit Union Checking Account Rates

3.00%*-$10kKasasa Cash Checking
OTHER TIERS: 0.30% $10k+
0.25%$5-CU Succeed Checking Account
0.25%$5k-Business Checking Account

First Heritage Federal Credit Union CD Rates

2.28%$1k-36 Month Share Certificate Special
2.00%$1k-60 Month Share Certificate
2.00%$100-60 Month CU Succeed Share Certificate
1.75%$1k-48 Month Share Certificate
1.75%$100-48 Month CU Succeed Share Certificate
1.40%$1k-36 Month Share Certificate
1.40%$100-36 Month CU Succeed Share Certificate
1.00%$1k-24 Month Share Certificate
1.00%$100-24 Month CU Succeed Share Certificate
0.90%$1k-18 Month Share Certificate
0.90%$100-18 Month CU Succeed Share Certificate
0.80%$1k-12 Month Share Certificate
0.80%$100-12 Month CU Succeed Share Certificate
0.60%$1k-6 Month Share Certificate
0.60%$100-6 Month CU Succeed Share Certificate

First Heritage Federal Credit Union IRA Rates

2.00%$1k-60 Month IRA Share Certificate
1.75%$1k-48 Month IRA Share Certificate
1.40%$1k-36 Month IRA Share Certificate
1.00%$1k-24 Month IRA Share Certificate
0.90%$1k-18 Month IRA Share Certificate
0.80%$1k-12 Month IRA Share Certificate
0.60%$1k-6 Month IRA Share Certificate

Cities: Addison, Corning, Elmira, Elmira Heights, Horseheads, Mansfield, Painted Post, Wellsboro

Addison Branches
Branch Office11 Steuben StAddison, NY 14801

Corning Branches
Branch Office23 W Market StCorning, NY 14830

Elmira Branches
Branch Office1707 Cedar StElmira, NY 14904

Elmira Heights Branches
Branch Office218 Prescott AveElmira Heights, NY 14903

Horseheads Branches
Branch Office501 Gardner RdHorseheads, NY 14845

Mansfield Branches
Branch Office1550 S Main St Ste 1Mansfield, PA 16933-9586

Painted Post Branches
Branch Office110 Village SqPainted Post, NY 14870-1349
Corporate Office166 Village SqPainted Post, NY 14870-1320

Wellsboro Branches
Branch Office17 East AveWellsboro, PA 16901
Branch Office32-36 Central AveWellsboro, PA 16901

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