First Heritage Federal Credit Union


Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
3.00%Reward Checking
1.00%Reward Savings
2.33%5-year CD
View all First Heritage Federal Credit Union rates »

Overview / Commentary
607-936-4667
110 Village Square, Suite 101
Painted Post, NY 14870-1349

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 594th largest credit union in the nation. It was established in 1954 and as of September of 2018, it had grown to 112 employees and 39,297 members at 11 locations. First Heritage Federal Credit Union's money market rates are 59% higher than the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

First Heritage FCU offers membership to Persons who work, worship, live or attend school in Steuben and Chemung Counties, New York and 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
A+

Health Grade Components

Overall
NCUA #9604
Year Chartered1954
Employees112
Primary Regulator
Profit Margin
Return on Assets - YTD0.61%
Return on Equity - YTD5.51%
Annual Interest Income$10.7MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$462.3MM$450.0MM
LoansQ3 2018vs Q3 2017$308.4MM$282.7MM
DepositsQ3 2018vs Q3 2017$407.3MM$395.2MM
Equity CapitalQ3 2018vs Q3 2017$51.3MM$50.7MM
Loan Loss AllowanceQ3 2018vs Q3 2017$2.1MM$2.1MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$644.00K$1.1MM
Real Estate OwnedQ3 2018vs Q3 2017$14.00K$0
Rates
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* 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
1.00%*-$50kKasasa Saver
OTHER TIERS: 0.30% $50k+
0.50%$5-IRA Share Savings Account
0.35%$1k-Summer Pay Certificate
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
0.70%*$250k*-Money Manager Account
OTHER TIERS: 0.25% $2.5k - $50k | 0.40% $50k - $100k | 0.60% $100k - $250k

First Heritage Federal Credit Union Checking Account Rates

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

First Heritage Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.79%$1k-36 Month Share Certificate
2.79%$100-36 Month CU Succeed Share Certificate
2.33%$1k-60 Month Share Certificate
2.33%$100-60 Month CU Succeed Share Certificate
2.28%$1k-36 Month Share Certificate Special
2.08%$1k-48 Month Share Certificate
2.08%$100-48 Month CU Succeed Share Certificate
1.31%$1k-24 Month Share Certificate
1.31%$100-24 Month CU Succeed Share Certificate
1.21%$1k-18 Month Share Certificate
1.21%$100-18 Month CU Succeed Share Certificate
1.00%$1k-12 Month Share Certificate
1.00%$100-12 Month CU Succeed Share Certificate
0.80%$1k-6 Month Share Certificate
0.80%$100-6 Month CU Succeed Share Certificate

First Heritage Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.79%$1k-36 Month IRA Share Certificate
2.33%$1k-60 Month IRA Share Certificate
2.08%$1k-48 Month IRA Share Certificate
1.31%$1k-24 Month IRA Share Certificate
1.21%$1k-18 Month IRA Share Certificate
1.00%$1k-12 Month IRA Share Certificate
0.80%$1k-6 Month IRA Share Certificate
Locations

Availability



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