Heritage Valley Federal Credit Union

Overview / Commentary
2400 Pleasant Valley Rd
York, PA 17402

Heritage Valley Federal Credit Union is headquartered in York and is the 73rd largest credit union in the state of Pennsylvania. It is also the 1,770th largest credit union in the nation. It was established in 1935 and as of March of 2020, it had grown to 33 employees and 12,799 members at 3 locations. Heritage Valley Federal Credit Union's money market rates are 48% 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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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-0.2%
Return on Equity - YTD-2.19%
Annual Interest Income$917.00K
Assets and Liabilities
AssetsQ1 2020vs Q1 2019$89.4MM$86.9MM
LoansQ1 2020vs Q1 2019$44.1MM$45.3MM
DepositsQ1 2020vs Q1 2019$80.4MM$77.7MM
Equity CapitalQ1 2020vs Q1 2019$7.8MM$8.0MM
Loan Loss AllowanceQ1 2020vs Q1 2019$297.00K$309.00K
Unbacked Noncurrent LoansQ1 2020vs Q1 2019$317.00K$340.00K
Real Estate OwnedQ1 2020vs Q1 2019$0$0
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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

0.15%*$15k*-Health Savings Account (HSA)
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $15k
0.05%$50-Share Account
0.05%$50-Christmas Club Account
0.05%$50-Vacation Club Account
0.05%$50-IRA Shares Account
0.05%--Business Share Account

Heritage Valley Federal Credit Union Money Market Rates

0.65%*$100k*-Money Market Account
OTHER TIERS: 0.15% $2.5k - $25k | 0.30% $25k - $50k | 0.40% $50k - $100k

Heritage Valley Federal Credit Union Checking Account Rates

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

Heritage Valley Federal Credit Union CD Rates

1.10%$10k-60 Month Heritage Gold Certificate
1.05%$500-60 Month Regular Certificate
0.95%$10k-48 Month Heritage Gold Certificate
0.90%$500-48 Month Regular Certificate
0.85%$10k-36 Month Heritage Gold Certificate
0.80%$500-36 Month Regular Certificate
0.80%$10k-30 Month Heritage Gold Certificate
0.75%$500-30 Month Regular Certificate
0.75%$10k-24 Month Heritage Gold Certificate
0.70%$500-24 Month Regular Certificate
0.65%$10k-18 Month Heritage Gold Certificate
0.60%$500-18 Month Regular Certificate
0.60%$10k-12 Month Heritage Gold Certificate
0.55%$500-12 Month Regular Certificate
0.35%$10k-6 Month Heritage Gold Certificate
0.30%$500-6 Month Regular Certificate
0.25%$1k-90 Day Regular Certificate
0.25%$10k-90 Day Heritage Gold Certificate

Heritage Valley Federal Credit Union IRA Rates

1.05%$250-60 Month IRA Certificate
0.90%$250-48 Month IRA Certificate
0.80%$250-36 Month IRA Certificate
0.75%$250-30 Month IRA Certificate
0.70%$250-24 Month IRA Certificate
0.60%$250-18 Month IRA Certificate
0.55%$250-12 Month IRA Certificate
0.30%$250-6 Month IRA Certificate
0.25%$1k-90 Day 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

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