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First Heritage Federal Credit Union

Popular Accounts at this Credit Union

3.00%Reward CheckingKasasa Cash Checking
1.00%Reward SavingsKasasa Saver
1.80%5-year CD60 Month Share Certificate

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 592nd largest credit union in the nation. It was established in 1954 and as of December of 2017, it had grown to 101 employees and 37,132 members at 10 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.
See current membership details

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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 - YTD0.6%
Return on Equity - YTD5.3%
Annual Interest Income$13.0MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$450.6MM$431.0MM
LoansQ4 2017vs Q4 2016$287.9MM$263.4MM
DepositsQ4 2017vs Q4 2016$396.2MM$380.2MM
Equity CapitalQ4 2017vs Q4 2016$50.6MM$47.8MM
Loan Loss AllowanceQ4 2017vs Q4 2016$1.9MM$1.7MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$869.00K$1.3MM
Real Estate OwnedQ4 2017vs Q4 2016$133.00K$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

1.00%*-$50kKasasa Saver
OTHER TIERS: 0.30% $50k+
0.50%--IRA Share Savings Account
0.35%$1k-Summer Pay Certificate
0.10%$100-Share Savings Account
0.10%--Kirby Kangaroo Savings Account
0.10%--CU Succeed Savings Account
0.10%--Holiday/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

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

First Heritage Federal Credit Union CD Rates

1.80%$1k-60 Month Share Certificate
1.80%$100-60 Month CU Succeed Share Certificate
1.55%$1k-48 Month Share Certificate
1.55%$100-48 Month CU Succeed Share Certificate
1.20%$1k-36 Month Share Certificate
1.20%$100-36 Month CU Succeed Share Certificate
0.80%$1k-24 Month Share Certificate
0.80%$100-24 Month CU Succeed Share Certificate
0.70%$1k-18 Month Share Certificate
0.70%$100-18 Month CU Succeed Share Certificate
0.60%$1k-12 Month Share Certificate
0.60%$100-12 Month CU Succeed Share Certificate
0.40%$1k-6 Month Share Certificate
0.40%$100-6 Month CU Succeed Share Certificate

First Heritage Federal Credit Union IRA Rates

1.80%$1k-60 Month IRA Share Certificate
1.55%$1k-48 Month IRA Share Certificate
1.20%$1k-36 Month IRA Share Certificate
0.80%$1k-24 Month IRA Share Certificate
0.70%$1k-18 Month IRA Share Certificate
0.60%$1k-12 Month IRA Share Certificate
0.40%$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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