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Heritage Financial Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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 7/12/2025
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 7/12/2025
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
heritagefcu.com
845-561-5607
25 Rykowski Ln
Middletown, NY 10941

Heritage Financial Credit Union is headquartered in Middletown 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 1940 and as of March of 2025, it had grown to 153 employees and 53,696 members at 14 locations. Heritage Financial Credit Union's savings rates are 7X 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 the New York counties of Dutchess, Orange, Ulster, Rockland, Sullivan, Pike, or Sussex.
See current membership details

Reviews

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Health
B

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #68711
Year Chartered1940
Employees153
Primary Regulator
Profit Margin
Return on Assets - YTD0.19%
Return on Equity - YTD2.73%
Annual Interest Income$9.6MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$748.7MM$709.5MM
LoansQ1 2025vs Q1 2024$629.9MM$591.8MM
DepositsQ1 2025vs Q1 2024$610.1MM$586.7MM
Equity CapitalQ1 2025vs Q1 2024$51.5MM$51.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$5.4MM$4.2MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$6.7MM$3.8MM
Real Estate OwnedQ1 2025vs Q1 2024$0$230K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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 7/12/2025
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 7/12/2025
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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* 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
3.60%*$150k*-Grand Slam Savings - New Money
OTHER TIERS: 2.50% → $2.5k - $10k | 3.25% → $10k - $75k | 3.50% → $75k - $150k
0.30%*$200k*-Super Saver
OTHER TIERS: 0.15% → $25k - $100k | 0.20% → $100k - $200k
0.10%$2.5k-Business Advance Savings
0.03%$500-Share Savings
0.03%$500-Business Basic Savings
0.01%$500-Holiday Account
0.01%$500-Vacation Account

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
0.30%*$250k*-Platinum Checking
OTHER TIERS: 0.20% → $100k - $150k | 0.25% → $150k - $250k
0.25%$10k-Business Advance Checking
0.15%$2.5k-Business Next Level Checking
0.10%*$20k*$100kGold Checking
OTHER TIERS: 0.08% → $0 - $20k

Heritage Financial Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%$500-5 Month CD
3.30%*$100k*-12 Month CD
OTHER TIERS: 3.25% → $500 - $100k
3.05%*$100k*-24 Month CD
OTHER TIERS: 3.00% → $500 - $100k
2.80%*$100k*-36 Month CD
OTHER TIERS: 2.75% → $500 - $100k
2.60%*$100k*-60 Month CD
OTHER TIERS: 2.55% → $500 - $100k
2.55%*$100k*-48 Month CD
OTHER TIERS: 2.50% → $500 - $100k
1.30%*$100k*-6 Month CD
OTHER TIERS: 1.25% → $500 - $100k

Heritage Financial Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%$500-5 Month IRA
3.30%*$100k*-12 Month IRA
OTHER TIERS: 3.25% → $500 - $100k
3.05%*$100k*-24 Month IRA
OTHER TIERS: 3.00% → $500 - $100k
2.80%*$100k*-36 Month IRA
OTHER TIERS: 2.75% → $500 - $100k
2.60%*$100k*-60 Month IRA
OTHER TIERS: 2.55% → $500 - $100k
2.55%*$100k*-48 Month IRA
OTHER TIERS: 2.50% → $500 - $100k
1.30%*$100k*-6 Month IRA
OTHER TIERS: 1.25% → $500 - $100k
0.01%$500-IRA Savings
Locations

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