Heritage Financial Credit Union


Overview / Commentary
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 590th largest credit union in the nation. It was established in 1940 and as of March of 2024, it had grown to 140 employees and 51,165 members at 14 locations. Heritage Financial Credit Union's savings rates are 8X 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+

Health Grade Components

Overall
NCUA #68711
Year Chartered1940
Employees140
Primary Regulator
Profit Margin
Return on Assets - YTD0.26%
Return on Equity - YTD3.55%
Annual Interest Income$9MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$709.5MM$627.1MM
LoansQ1 2024vs Q1 2023$591.8MM$489.2MM
DepositsQ1 2024vs Q1 2023$586.7MM$517.6MM
Equity CapitalQ1 2024vs Q1 2023$51.1MM$48.2MM
Loan Loss AllowanceQ1 2024vs Q1 2023$4.2MM$3.7MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$3.8MM$1.3MM
Real Estate OwnedQ1 2024vs Q1 2023$230K$78K
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
4.25%*$150k*-Grand Slam Savings - New Money
OTHER TIERS: 3.95% $50 - $2.5k | 4.05% $2.5k - $10k | 4.15% $10k - $75k | 4.20% $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% $0 - $20k

Heritage Financial Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$5k-9 Month CD Special - New Money
5.00%$5k-Business 9 Month CD Special - New Money
4.50%$500-6 Month CD Special
4.50%$500-Business 6 Month CD Special
4.00%$500-5 Month CD Special
3.80%*$100k*-12 Month CD
OTHER TIERS: 3.75% $500 - $100k
3.55%*$100k*-24 Month CD
OTHER TIERS: 3.50% $500 - $100k
3.30%*$100k*-36 Month CD
OTHER TIERS: 3.25% $500 - $100k
3.25%*$100k*-48 Month CD
OTHER TIERS: 3.00% $500 - $100k
3.20%*$100k*-60 Month CD
OTHER TIERS: 3.05% $500 - $100k
3.05%*$100k*-6 Month CD
OTHER TIERS: 3.00% $500 - $100k

Heritage Financial Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$5k-9 Month IRA Special - New Money
4.50%$500-6 Month IRA Special
4.00%$500-5 Month IRA Special
3.80%*$100k*-12 Month IRA
OTHER TIERS: 3.75% $500 - $100k
3.55%*$100k*-24 Month IRA
OTHER TIERS: 3.50% $500 - $100k
3.30%*$100k*-36 Month IRA
OTHER TIERS: 3.25% $500 - $100k
3.25%*$100k*-48 Month IRA
OTHER TIERS: 3.00% $500 - $100k
3.20%*$100k*-60 Month IRA
OTHER TIERS: 3.05% $500 - $100k
3.05%*$100k*-6 Month IRA
OTHER TIERS: 3.00% $500 - $100k
Locations

Availability



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