Featured Savings Rates
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Heritage Valley Federal Credit Union

Popular Accounts at this Credit Union

0.90%5-year CD60 Month Regular Certificate
0.20%1-year CD14 Month Regular Certificate
0.10%SavingsShare Account

Overview / Commentary
2400 Pleasant Valley Rd
York, PA 17402-9624

Heritage Valley Federal Credit Union is headquartered in York and is the 76th largest credit union in the state of Pennsylvania. It is also the 1,824th largest credit union in the nation. It was established in 1935 and as of June of 2016, it had grown to 34 employees and 11,889 members at 3 locations. Heritage Valley Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in York County, Pennsylvania and to immediate family of a current member.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Heritage Valley Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #303
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD-0.33%
Return on Equity - YTD-3.66%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$77.8MM$74.6MM
LoansQ2 2016vs Q2 2015$39.8MM$36.6MM
DepositsQ2 2016vs Q2 2015$70.0MM$66.6MM
Equity CapitalQ2 2016vs Q2 2015$7.0MM$7.4MM
Loan Loss AllowanceQ2 2016vs Q2 2015$352.00K$391.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$292.00K$413.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$427.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Heritage Valley Federal Credit Union Savings Account Rates

0.25%*$10k*-Health Savings Account (HSA)
OTHER TIERS: 0.15% Up to $5k | 0.20% $5k - $10k
0.10%$50-Share Account
0.10%$50-Christmas Club Account
0.10%$50-Vacation Club Account
0.10%$50-IRA Shares Account
0.10%$50-Roth IRA Shares Account
0.10%$50-Coverdell IRA Shares Account

Heritage Valley Federal Credit Union Money Market Rates

0.25%*$100k*-Money Market Account
OTHER TIERS: 0.10% $2,500 - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k

Heritage Valley Federal Credit Union Checking Account Rates

1.00%*-$10kInterest Checking
OTHER TIERS: 0.25% $10k+

Heritage Valley Federal Credit Union CD Rates

0.95%$10k-60 Month Heritage Gold Certificate
0.90%$500-60 Month Regular Certificate
0.65%$10k-48 Month Heritage Gold Certificate
0.60%$500-48 Month Regular Certificate
0.50%$10k-36 Month Heritage Gold Certificate
0.45%$500-36 Month Regular Certificate
0.40%$10k-24 Month Heritage Gold Certificate
0.40%$10k-30 Month Heritage Gold Certificate
0.35%$500-24 Month Regular Certificate
0.35%$500-30 Month Regular Certificate
0.30%$10k-18 Month Heritage Gold Certificate
0.25%$500-18 Month Regular Certificate
0.25%$10k-12 Month Heritage Gold Certificate
0.25%$10k-14 Month Heritage Gold Certiificate
0.20%$500-12 Month Regular Certificate
0.20%$500-14 Month Regular Certificate
0.20%$10k-90 Day Heritage Gold Certificate
0.20%$10k-6 Month Heritage Gold Certificate
0.15%$1k-90 Day Regular Certificate
0.15%$1k-6 Month Regular Certificate

Heritage Valley Federal Credit Union IRA Rates

0.90%$250-60 Month IRA Certificate
0.60%$250-48 Month IRA Certificate
0.45%$250-36 Month IRA Certificate
0.35%$250-24 Month IRA Certificate
0.35%$250-30 Month IRA Certificate
0.25%$250-18 Month IRA Certificate
0.20%$250-12 Month IRA Certificate
0.20%$250-14 Month IRA Certificate

Heritage Valley Federal Credit Union Locations
Branch Office2420 Cape Horn RdYork, PA 17402-7900
Branch Office777 Kings Mill RdYork, PA 17403
Branch Office2400 Pleasant Valley RdYork, PA 17402-9624