First Heritage Federal Credit Union


Overview / Commentary
607-936-4667
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 595th largest credit union in the nation. It was established in 1954 and as of March of 2020, it had grown to 120 employees and 43,499 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.
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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
A+

Health Grade Components

Overall
NCUA #9604
Year Chartered1954
Employees120
Primary Regulator
Profit Margin
Return on Assets - YTD0.35%
Return on Equity - YTD2.97%
Annual Interest Income$4.2MM
Assets and Liabilities
AssetsQ1 2020vs Q1 2019$510.9MM$484.0MM
LoansQ1 2020vs Q1 2019$343.6MM$314.8MM
DepositsQ1 2020vs Q1 2019$449.2MM$426.6MM
Equity CapitalQ1 2020vs Q1 2019$59.4MM$53.8MM
Loan Loss AllowanceQ1 2020vs Q1 2019$2.3MM$2.2MM
Unbacked Noncurrent LoansQ1 2020vs Q1 2019$1.1MM$871.00K
Real Estate OwnedQ1 2020vs Q1 2019$103.00K$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$1k-60 Month Share Certificate
1.36%$1k-48 Month Share Certificate
1.16%$1k-36 Month Share Certificate
0.95%$100k-24 Month Jumbo CD
0.90%$1k-24 Month Share Certificate
0.75%$1k-18 Month Share Certificate
0.65%$100k-12 Month Jumbo CD
0.60%$1k-12 Month Share Certificate
0.45%$1k-6 Month Share Certificate

First Heritage Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$1k-60 Month IRA Share Certificate
1.36%$1k-48 Month IRA Share Certificate
1.16%$1k-36 Month IRA Share Certificate
0.90%$1k-24 Month IRA Share Certificate
0.75%$1k-18 Month IRA Share Certificate
0.60%$1k-12 Month IRA Share Certificate
0.45%$1k-6 Month IRA Share Certificate
Locations

Availability



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