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Heritage Valley Federal Credit Union

Popular Accounts at this Credit Union

1.10%5-year CD60 Month Regular Certificate
0.30%1-year CD12 Month Regular Certificate
0.15%SavingsShare Account

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

Heritage Valley Federal Credit Union is headquartered in York and is the 74th largest credit union in the state of Pennsylvania. It is also the 1,795th largest credit union in the nation. It was established in 1935 and as of September of 2017, it had grown to 31 employees and 12,147 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 - YTD0.33%
Return on Equity - YTD3.67%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$82.1MM$76.9MM
LoansQ3 2017vs Q3 2016$45.0MM$39.6MM
DepositsQ3 2017vs Q3 2016$73.4MM$68.9MM
Equity CapitalQ3 2017vs Q3 2016$7.5MM$7.0MM
Loan Loss AllowanceQ3 2017vs Q3 2016$329.00K$309.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$337.00K$264.00K
Real Estate OwnedQ3 2017vs Q3 2016$0$20.00K
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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
0.15%$50-Share Account
0.15%$50-Christmas Club Account
0.15%$50-Vacation Club Account
0.15%$50-IRA Shares Account
0.15%$50-Roth IRA Shares Account
0.15%$50-Coverdell IRA Shares Account

Heritage Valley Federal Credit Union Money Market Rates

0.35%*$100k*-Money Market Account
OTHER TIERS: 0.20% $2,500 - $25k | 0.25% $25k - $50k | 0.30% $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

1.16%$10k-60 Month Heritage Gold Certificate
1.10%$500-60 Month Regular Certificate
0.95%$10k-48 Month Heritage Gold Certificate
0.90%$500-48 Month Regular Certificate
0.65%$10k-36 Month Heritage Gold Certificate
0.60%$500-36 Month Regular Certificate
0.50%$10k-30 Month Heritage Gold Certificate
0.45%$500-30 Month Regular Certificate
0.45%$10k-24 Month Heritage Gold Certificate
0.40%$500-24 Month Regular Certificate
0.40%$10k-18 Month Heritage Gold Certificate
0.35%$500-18 Month Regular Certificate
0.35%$10k-12 Month Heritage Gold Certificate
0.30%$500-12 Month Regular Certificate
0.30%$10k-6 Month Heritage Gold Certificate
0.25%$1k-6 Month Regular Certificate
0.25%$10k-90 Day Heritage Gold Certificate
0.20%$1k-90 Day Regular Certificate

Heritage Valley Federal Credit Union IRA Rates

1.10%$250-60 Month IRA Certificate
0.90%$250-48 Month IRA Certificate
0.60%$250-36 Month IRA Certificate
0.45%$250-30 Month IRA Certificate
0.40%$250-24 Month IRA Certificate
0.35%$250-18 Month IRA Certificate
0.30%$250-12 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