First Heritage Federal Credit Union is headquartered in Corning and is the 28th 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 2021, it had grown to 127 employees and 43,255 members at 9 locations. First Heritage Federal Credit Union's money market rates are 14% higher than the national average, and it boasts an A+ health rating.
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
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.
Overall | |
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NCUA # | 9604 |
Year Chartered | 1954 |
Employees | 127 |
Primary Regulator |
Profit Margin | |
---|---|
Return on Assets - YTD | 0.82% |
Return on Equity - YTD | 8.23% |
Annual Interest Income | $16.9MM |
Assets and Liabilities | ||
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Assets | Q4 2021vs Q4 2020 | $646.5MM$585.1MM |
Loans | Q4 2021vs Q4 2020 | $418.7MM$393.7MM |
Deposits | Q4 2021vs Q4 2020 | $578.0MM$520.6MM |
Equity Capital | Q4 2021vs Q4 2020 | $64.4MM$60.8MM |
Loan Loss Allowance | Q4 2021vs Q4 2020 | $3.3MM$2.9MM |
Unbacked Noncurrent Loans | Q4 2021vs Q4 2020 | $968.00K$2.1MM |
Real Estate Owned | Q4 2021vs Q4 2020 | $0$112.00K |
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
0.50%* | $250k* | - | Money Manager Account | ||
OTHER TIERS: 0.10% → $2.5k - $50k | 0.20% → $50k - $100k | 0.35% → $100k - $250k |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
2.50%* | - | $10k | Kasasa Cash Checking | ||
OTHER TIERS: 0.20% → $10k+ | |||||
0.25% | $5 | - | CU Succeed Checking Account | ||
0.10% | $5k | - | Business Checking Account |
First Heritage Federal Credit Union Locations | ||
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Branch Office | 11 Steuben St | Addison, NY 14801 |
Branch Office | 501 Gardner Rd | Horseheads, NY 14845 |
Branch Office | 1707 Cedar St | Elmira, NY 14904 |
Branch Office | 218 Prescott Ave | Elmira Heights, NY 14903 |
Branch Office | 17 East Ave | Wellsboro, PA 16901 |
Branch Office | 110 Village Sq | Painted Post, NY 14870-1349 |
Branch Office | 1550 S Main St Ste 1 | Mansfield, PA 16933-9586 |
Branch Office | 167 Seneca St | Hornell, NY 14843 |
Corporate Office | 202 Denison Pkwy E | Corning, NY 14830-2813 |