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First Heritage Federal Credit Union


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 28th 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 March of 2021, it had grown to 125 employees and 42,656 members at 9 locations. First Heritage Federal Credit Union's money market rates are 14% higher than 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 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.

3


Health
A

Data as of Q1 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #9604
Year Chartered1954
Employees125
Primary Regulator
Profit Margin
Return on Assets - YTD0.32%
Return on Equity - YTD3.17%
Annual Interest Income$4.1MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$633.3MM$510.9MM
LoansQ1 2021vs Q1 2020$404.6MM$343.6MM
DepositsQ1 2021vs Q1 2020$568.3MM$449.2MM
Equity CapitalQ1 2021vs Q1 2020$60.7MM$59.4MM
Loan Loss AllowanceQ1 2021vs Q1 2020$3.0MM$2.3MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$1.9MM$1.1MM
Real Estate OwnedQ1 2021vs Q1 2020$113.00K$103.00K
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+
0.20%$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
0.50%*$250k*-Money Manager Account
OTHER TIERS: 0.10% → $2.5k - $50k | 0.20% → $50k - $100k | 0.35% → $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
0.10%$5k-Business Checking Account

First Heritage Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%$1k-60 Month Share Certificate
0.75%$1k-48 Month Share Certificate
0.65%$1k-36 Month Share Certificate
0.55%$100k-24 Month Jumbo CD
0.50%$1k-24 Month Share Certificate
0.40%$1k-18 Month Share Certificate
0.35%$100k-12 Month Jumbo CD
0.30%$1k-12 Month Share Certificate
0.25%$1k-6 Month Share Certificate

First Heritage Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%$1k-60 Month IRA Share Certificate
0.75%$1k-48 Month IRA Share Certificate
0.65%$1k-36 Month IRA Share Certificate
0.50%$1k-24 Month IRA Share Certificate
0.40%$1k-18 Month IRA Share Certificate
0.30%$1k-12 Month IRA Share Certificate
0.25%$1k-6 Month IRA Share Certificate
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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