Heritage Valley Federal Credit Union

Overview / Commentary

www.heritagevalleyfcu.org

877-214-1914

2400 Pleasant Valley Rd
York, PA 17402-9624

Heritage Valley Federal Credit Union is headquartered in York and is the 73^rd largest credit union in the state of Pennsylvania. It is also the 1,770^th largest credit union in the nation. It was established in 1935 and as of December of 2018, it had grown to 32 employees and 12,486 members at 3 locations. Heritage Valley Federal Credit Union's CD rates are 94% higher than the national average, and it 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.
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Health

B+

Data as of Q4 2018

Learn why bank health matters

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

Overall
NCUA #	303
Year Chartered	1935
Employees	32
Primary Regulator

Profit Margin
Return on Assets - YTD	0.4%
Return on Equity - YTD	4.17%
Annual Interest Income	$3.4MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$84.3MM$83.5MM
Loans	Q4 2018vs Q4 2017	$46.5MM$44.7MM
Deposits	Q4 2018vs Q4 2017	$75.0MM$74.8MM
Equity Capital	Q4 2018vs Q4 2017	$8.0MM$7.6MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$320.00K$319.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$410.00K$311.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
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

Heritage Valley Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.80%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.40% → $2.5k - $25k \| 0.50% → $25k - $50k \| 0.60% → $50k - $100k

Heritage Valley Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%^*	-	$10k	Interest Checking
OTHER TIERS: 0.25% → $10k+

Heritage Valley Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.30%	$10k	-	60 Month Heritage Gold Certificate
2.25%	$500	-	60 Month Regular Certificate
2.20%	$10k	-	36 Month Heritage Gold Certificate
2.15%	$500	-	36 Month Regular Certificate
2.15%	$10k	-	18 Month Heritage Gold Certificate
2.10%	$500	-	18 Month Regular Certificate
2.05%	$10k	-	48 Month Heritage Gold Certificate
2.00%	$500	-	48 Month Regular Certificate
2.00%	$10k	-	30 Month Heritage Gold Certificate
1.95%	$500	-	30 Month Regular Certificate
1.90%	$10k	-	24 Month Heritage Gold Certificate
1.85%	$500	-	24 Month Regular Certificate
1.80%	$10k	-	12 Month Heritage Gold Certificate
1.75%	$500	-	12 Month Regular Certificate
1.30%	$10k	-	6 Month Heritage Gold Certificate
1.25%	$500	-	6 Month Regular Certificate
0.90%	$10k	-	90 Day Heritage Gold Certificate
0.85%	$1k	-	90 Day Regular Certificate

Heritage Valley Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.30%	$10k	-	60 Month Heritage Gold Certificate
2.25%	$250	-	60 Month IRA Certificate
2.20%	$10k	-	36 Month Heritage Gold Certificate
2.15%	$250	-	36 Month IRA Certificate
2.15%	$10k	-	18 Month Heritage Gold Certificate
2.10%	$250	-	18 Month IRA Certificate
2.05%	$10k	-	48 Month Heritage Gold Certificate
2.00%	$250	-	48 Month IRA Certificate
2.00%	$10k	-	30 Month Heritage Gold Certificate
1.95%	$250	-	30 Month IRA Certificate
1.90%	$10k	-	24 Month Heritage Gold Certificate
1.85%	$250	-	24 Month IRA Certificate
1.80%	$10k	-	12 Month Heritage Gold Certificate
1.75%	$250	-	12 Month IRA Certificate
1.30%	$10k	-	6 Month Heritage Gold Certificate
1.25%	$250	-	6 Month IRA Certificate
0.90%	$10k	-	90 Day Heritage Gold Certificate
0.85%	$1k	-	90 Day IRA Certificate

Locations

Heritage Valley Federal Credit Union Locations
Branch Office	2420 Cape Horn Rd	York, PA 17402-7900
Branch Office	777 Kings Mill Rd	York, PA 17403
Branch Office	2400 Pleasant Valley Rd	York, PA 17402-9624

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