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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 618th largest credit union in the nation. It was established in 1940 and as of June of 2023, it had grown to 138 employees and 48,841 members at 12 locations. Heritage Financial Credit Union's savings rates are 9X 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.
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Health
B+

Data as of Q2 2023

Learn why bank health matters

Health Grade Components

Overall
NCUA #68711
Year Chartered1940
Employees138
Primary Regulator
Profit Margin
Return on Assets - YTD0.82%
Return on Equity - YTD10.72%
Annual Interest Income$13.8MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$655.7MM$589.3MM
LoansQ2 2023vs Q2 2022$521.1MM$435.6MM
DepositsQ2 2023vs Q2 2022$530.4MM$501.5MM
Equity CapitalQ2 2023vs Q2 2022$49.2MM$45.7MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$3.0MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$1.9MM$1.3MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Heritage Financial 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.

Heritage Financial Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.75%*$150k*-Grand Slam Savings
OTHER TIERS: 4.25% → $50 - $2.5k | 4.30% → $2.5k - $10k | 4.35% → $10k - $75k | 4.50% → $75k - $150k
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
0.30%*$250k*-Platinum Checking
OTHER TIERS: 0.20% → $100k - $150k | 0.25% → $150k - $250k
0.10%*$20k*$100kGold Checking
OTHER TIERS: 0.08% → Up to $20k

Heritage Financial Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.50%$10k-6 Month CD - New Money
4.05%*$100k*-12 Month CD
OTHER TIERS: 4.00% → $500 - $100k
3.80%*$100k*-24 Month CD
OTHER TIERS: 3.75% → $500 - $100k
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
0.15%*$100k*-6 Month CD
OTHER TIERS: 0.10% → $500 - $100k

Heritage Financial Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.50%$10k-6 Month IRA - New Money
4.05%*$100k*-12 Month IRA
OTHER TIERS: 4.00% → $500 - $100k
3.80%*$100k*-24 Month IRA
OTHER TIERS: 3.75% → $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
0.15%*$100k*-6 Month IRA
OTHER TIERS: 0.10% → $500 - $100k
Locations

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