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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 29th largest credit union in the state of New York. It is also the 633rd largest credit union in the nation. It was established in 1940 and as of December of 2022, it had grown to 133 employees and 47,010 members at 12 locations. Heritage Financial Credit Union's CD rates are 6X the national average, and it has a B+ 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
B+

Data as of Q4 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #68711
Year Chartered1940
Employees133
Primary Regulator
Profit Margin
Return on Assets - YTD0.85%
Return on Equity - YTD10.83%
Annual Interest Income$20.6MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$622.9MM$536.7MM
LoansQ4 2022vs Q4 2021$483.8MM$411.1MM
DepositsQ4 2022vs Q4 2021$511.4MM$468.6MM
Equity CapitalQ4 2022vs Q4 2021$47.2MM$44.6MM
Loan Loss AllowanceQ4 2022vs Q4 2021$3.0MM$3.2MM
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$2.0MM$1.4MM
Real Estate OwnedQ4 2022vs Q4 2021$0$413.00K
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
0.30%*$200k*-Super Saver
OTHER TIERS: 0.15% → $25k - $100k | 0.20% → $100k - $200k
0.05%$500-Share Savings
0.01%$500-Holiday Account
0.01%$500-Vacation Account
0.01%$500-Escrow Account
0.01%$500-IRA Savings

Heritage Financial Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$200k*-Money Market Account
OTHER TIERS: 0.15% → $2.5k - $100k | 0.20% → $100k - $200k

Heritage Financial Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$150k*$250kPlatinum Checking
OTHER TIERS: 0.15% → $100k+
0.05%*$20k*$100kGold Checking
OTHER TIERS: 0.03% → Up to $20k

Heritage Financial Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$500-12 Month CD Special
4.50%$10k-24 Month CD - New Money
4.30%*$100k*-24 Month CD
OTHER TIERS: 4.25% → $500 - $100k
4.05%*$100k*-18 Month CD
OTHER TIERS: 4.00% → $500+
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
2.25%*$100k*-12 Month CD
OTHER TIERS: 2.20% → $500 - $100k
0.15%*$100k*-6 Month CD
OTHER TIERS: 0.10% → $500 - $100k

Heritage Financial Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$500-12 Month IRA Special
4.50%$10k-24 Month IRA - New Money
4.30%*$100k*-24 Month IRA
OTHER TIERS: 4.25% → $500 - $100k
4.05%*$100k*-18 Month IRA
OTHER TIERS: 4.00% → $500 - $100k
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
2.25%*$100k*-12 Month IRA
OTHER TIERS: 2.20% → $500 - $100k
0.15%*$100k*-6 Month IRA
OTHER TIERS: 0.10% → $500 - $100k
Locations

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