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First Heritage Federal Credit Union

Popular Accounts at this Credit Union

1.26%5-year CD60 Month Share Certificate
0.40%1-year CD12 Month Share Certificate
0.10%SavingsShare Savings Account

Overview / Commentary
110 Village Sq
Painted Post, NY 14870-1349

First Heritage Federal Credit Union is headquartered in Painted Post and is the 30th largest credit union in the state of New York. It is also the 576th largest credit union in the nation. It was established in 1954 and as of June of 2016, it had grown to 90 employees and 33,856 members at 8 locations. First Heritage Federal Credit Union has an A health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Chemung or Steuben County, New York or 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 - YTD0.62%
Return on Equity - YTD5.51%
Annual Interest Income$6.0MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$429.9MM$416.6MM
LoansQ2 2016vs Q2 2015$250.5MM$223.3MM
DepositsQ2 2016vs Q2 2015$378.3MM$368.5MM
Equity CapitalQ2 2016vs Q2 2015$48.5MM$44.7MM
Loan Loss AllowanceQ2 2016vs Q2 2015$1.7MM$1.6MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$876.00K$355.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$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

0.50%--IRA Share Savings Account
0.50%--Roth IRA Share Savings Account
0.35%--Summer Pay Certificate
0.10%$100-Share Savings Account
0.10%--Kirby Kangaroo Savings Account
0.10%--CU Succeed Savings Account
0.10%--Holiday Club Account
0.10%--Vacation Club Account

First Heritage Federal Credit Union Money Market Rates

0.30%*$50k*-Money Manager Account
OTHER TIERS: 0.20% $2,500 - $50k

First Heritage Federal Credit Union Checking Account Rates

0.25%--CU Succeed Checking Account
0.25%$5k-Business Checking Account

First Heritage Federal Credit Union CD Rates

1.26%$1k-60 Month Share Certificate
1.00%$1k-48 Month Share Certificate
0.90%$1k-36 Month Share Certificate
0.60%$1k-24 Month Share Certificate
0.50%$1k-18 Month Share Certificate
0.40%$1k-12 Month Share Certificate
0.30%$1k-6 Month Share Certificate

First Heritage Federal Credit Union IRA Rates

1.26%$1k-60 Month IRA Share Certificate
1.00%$1k-48 Month IRA Share Certificate
0.90%$1k-36 Month IRA Share Certificate
0.60%$1k-24 Month IRA Share Certificate
0.50%$1k-18 Month IRA Share Certificate
0.40%$1k-12 Month IRA Share Certificate
0.30%$1k-6 Month IRA Share Certificate

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 Office23 W Market StCorning, NY 14830
Branch Office110 Village SqPainted Post, NY 14870-1349
Branch Office17 East AveWellsboro, PA 16901
Branch Office1550 S Main St Ste 1Mansfield, PA 16933-9586