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First Heritage Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.fhfcu.org
607-936-4667
202 Denison Pkwy E
Corning, NY 14830

First Heritage Federal Credit Union is headquartered in Corning and is the 26th largest credit union in the state of New York. It is also the 562nd largest credit union in the nation. It was established in 1954 and as of March of 2025, it had grown to 146 employees and 48,806 members at 9 locations. First Heritage Federal Credit Union's CD rates are 4X the national average, and it has 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 the New York counties of Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, or Yates, or the Pennsylvania counties of Bradford, Lycoming, Potter, or Tioga. Immediate members of any eligible to join First Heritage FCU also qualify for membership.
See current membership details

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #9604
Year Chartered1954
Employees146
Primary Regulator
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD7.03%
Annual Interest Income$9.1MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$771MM$719.3MM
LoansQ1 2025vs Q1 2024$569.5MM$535.6MM
DepositsQ1 2025vs Q1 2024$689.7MM$641.2MM
Equity CapitalQ1 2025vs Q1 2024$79.7MM$70.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$4.8MM$4.2MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.6MM$1.1MM
Real Estate OwnedQ1 2025vs Q1 2024$137K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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%*$0-APEX Saver
OTHER TIERS: 0.20% → $50k+
0.30%*$250k*-Share Savings Account
OTHER TIERS: 0.15% → $100 - $50k | 0.20% → $50k - $100k | 0.25% → $100k - $250k
0.10%$0-Holiday Club Account
0.10%$0-Vacation Club Account

First Heritage Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%*$250k*-Money Manager Account
OTHER TIERS: 0.25% → $2.5k - $50k | 0.65% → $50k - $100k | 1.00% → $100k - $250k

First Heritage Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$0-APEX Cash Checking
OTHER TIERS: 0.20% → $10k+
0.10%$5k-Business Checking Account

First Heritage Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.16%$100k-18 Month Jumbo Share Certificate Special
4.11%$100k-6 Month Jumbo Share Certificate
4.00%$1k-18 Month Share Certificate Special
4.00%$100-18 Month Score Goal Share Certificate
3.95%$1k-6 Month Share Certificate
3.95%$100-6 Month Score Goal Share Certificate
3.91%$100k-12 Month Jumbo Share Certificate
3.75%$1k-12 Month Share Certificate
3.75%$100-12 Month Score Goal Share Certificate
3.71%$100k-24 Month Jumbo Share Certificate
3.61%$100k-36 Month Jumbo Share Certificate
3.56%$1k-24 Month Share Certificate
3.56%$100-24 Month Score Goal Share Certificate
3.51%$100k-48 Month Jumbo Share Certificate
3.45%$1k-36 Month Share Certificate
3.45%$100-36 Month Score Goal Share Certificate
3.40%$100k-60 Month Jumbo Share Certificate
3.35%$1k-48 Month Share Certificate
3.35%$100-48 Month Score Goal Share Certificate
3.25%$1k-60 Month Share Certificate
3.25%$100-60 Month Score Goal Share Certificate
2.17%$100k-3 Month Jumbo Share Certificate
2.02%$1k-3 Month Share Certificate
2.02%$100-3 Month Score Goal Share Certificate

First Heritage Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.16%$100k-18 Month Jumbo IRA Certificate Special
4.11%$100k-6 Month Jumbo IRA Certificate
4.00%$1k-18 Month IRA Share Certificate Special
3.95%$1k-6 Month IRA Share Certificate
3.91%$100k-12 Month Jumbo IRA Certificate
3.75%$1k-12 Month IRA Share Certificate
3.71%$100k-24 Month Jumbo IRA Certificate
3.61%$100k-36 Month Jumbo IRA Certificate
3.56%$1k-24 Month IRA Share Certificate
3.51%$100k-48 Month Jumbo IRA Certificate
3.45%$1k-36 Month IRA Share Certificate
3.40%$100k-60 Month Jumbo IRA Certificate
3.35%$1k-48 Month IRA Share Certificate
3.25%$1k-60 Month IRA Share Certificate
2.17%$100k-3 Month Jumbo IRA Certificate
2.02%$1k-3 Month IRA Share Certificate
0.40%*$250k*-IRA Share Savings Account
OTHER TIERS: 0.20% → $0 - $50k | 0.30% → $50k - $100k | 0.35% → $100k - $250k
Locations


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 Office17 East AveWellsboro, PA 16901
Branch Office110 Village SqPainted Post, NY 14870-1349
Branch Office1550 S Main St Ste 1Mansfield, PA 16933-9586
Branch Office167 Seneca StHornell, NY 14843
Corporate Office202 Denison Pkwy ECorning, NY 14830-2813

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