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Heritage Financial Credit Union


Overview / Commentary
heritagefcu.com
845-561-5607
25 Rykowski Ln
Middletown, NY 10941

Heritage Financial Credit Union is headquartered in Middletown and is the 30th largest credit union in the state of New York. It is also the 649th largest credit union in the nation. It was established in 1940 and as of June of 2022, it had grown to 128 employees and 45,273 members at 12 locations. Heritage Financial Credit Union has an A health rating.

Field of Membership Restrictions

Heritage Financial Credit Union is open to those who live, work, worship, attend school or volunteer in Orange, Ulster, Dutchess or Rockland counties in New York, Pike County, Pennsylvania; or Sussex County, New Jersey.
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Health
A

Data as of Q2 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #68711
Year Chartered1940
Employees128
Primary Regulator
Profit Margin
Return on Assets - YTD1.08%
Return on Equity - YTD13.44%
Annual Interest Income$9.3MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$589.3MM$534.7MM
LoansQ2 2022vs Q2 2021$435.6MM$398.8MM
DepositsQ2 2022vs Q2 2021$501.5MM$473.7MM
Equity CapitalQ2 2022vs Q2 2021$45.7MM$41.9MM
Loan Loss AllowanceQ2 2022vs Q2 2021$3.0MM$3.5MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$1.3MM$1.7MM
Real Estate OwnedQ2 2022vs Q2 2021$0$315.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Heritage Financial Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.12%*$200k*-Super Saver
OTHER TIERS: 0.05% → $25k - $100k | 0.08% → $100k - $200k
0.03%$500-Share Savings

Heritage Financial Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.12%*$200k*-Money Market Account
OTHER TIERS: 0.05% → $2.5k - $100k | 0.08% → $100k - $200k

Heritage Financial Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$150k*-Platinum Checking
OTHER TIERS: 0.10% → $100k - $150k
0.05%*$20k*$100kGold Checking
OTHER TIERS: 0.03% → Up to $20k

Heritage Financial Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.05%*$100k*-60 Month CD
OTHER TIERS: 3.00% → $500 - $100k
2.80%*$100k*-48 Month CD
OTHER TIERS: 2.75% → $500 - $100k
2.55%*$100k*-36 Month CD
OTHER TIERS: 2.50% → $500 - $100k
2.30%*$100k*-24 Month CD
OTHER TIERS: 2.25% → $500 - $100k
1.80%*$100k*-18 Month CD
OTHER TIERS: 1.75% → $500+
0.20%*$100k*-12 Month CD
OTHER TIERS: 0.15% → $500 - $100k
0.15%*$100k*-6 Month CD
OTHER TIERS: 0.10% → $500 - $100k

Heritage Financial Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.05%*$100k*-60 Month IRA
OTHER TIERS: 3.00% → $500 - $100k
2.80%*$100k*-48 Month IRA
OTHER TIERS: 2.75% → $500 - $100k
2.55%*$100k*-36 Month IRA
OTHER TIERS: 2.50% → $500 - $100k
2.30%*$100k*-24 Month IRA
OTHER TIERS: 2.25% → $500 - $100k
1.80%*$100k*-18 Month IRA
OTHER TIERS: 1.75% → $500 - $100k
0.20%*$100k*-12 Month IRA
OTHER TIERS: 0.15% → $500 - $100k
0.15%*$100k*-6 Month IRA
OTHER TIERS: 0.10% → $500 - $100k
Locations

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