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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
HERITAGE VALLEY Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 24, 2026
HERITAGE VALLEY's savings rates are at 0.05%. HERITAGE VALLEY's Personal Loan Rates are at 3.99%. MonitorBankRates evaluates the financial stability of HERITAGE VALLEY with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.68%. Rates were last updated on 03/24/2026. HERITAGE VALLEY money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at HERITAGE VALLEY? Share your experience about HERITAGE VALLEY by leaving a review below, or read customer reviews before you decide to use HERITAGE VALLEY. UCB United Cumberland Bank
Pleasant Valley Road Office 2400 Pleasant Valley Rd
http://heritagevalleyfcu.org York, PA 17402 9624 
HERITAGE VALLEY Savings Rates
HERITAGE VALLEY Mortgage Rates
HERITAGE VALLEY Auto Loan Rates
HERITAGE VALLEY Student Loan Rates
HERITAGE VALLEY Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for HERITAGE VALLEY is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather HERITAGE VALLEY rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with HERITAGE VALLEY's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
HERITAGE VALLEY
Website
http://heritagevalleyfcu.org
Address
2400 Pleasant Valley Rd,
York, PA 17402 9624
Phone
717-840-4981
Fax
717-840-4982
President
Kathleen Neff
CEO
Michael Gutshall
Full-Time Employees
26
Part-Time Employees
3
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
11.68%
Return on Assets (ROA)
0.4779%
Return on Equity (ROE)
6.2238%
Non-Performing Loans Ratio (NPL)
1.73%
Total Assets
127,384,988
Total Amount of Shares and Deposits
120,290,615
Total Shares and Deposits < 1 Year
118,147,385
Total Shares and Deposits 1 3 Years
2,053,200
Total Shares and Deposits > 3 Years
90,030
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,322,163
Total Uninsured Shares and Deposits > $250K (F+J)
7,322,163
Total Insured Shares and Deposits > $250K (item 17 less item K)
112,968,452
Total Interest Expense (Sum of items 6 8)
953,411
Share Certificates
1,118
Number of Accounts for Share Drafts
7,091
IRA KEOGH Accounts
526
Number of Accounts for Regular Shares
14,376
All other shares
722
Money Market Shares
333
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,217,369
Total Liabilities
119,140,230
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About HERITAGE VALLEYIs HERITAGE VALLEY a safe place to deposit money?Yes, HERITAGE VALLEY is considered a safe financial institution. With a Texas Ratio of 11.679033617234%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does HERITAGE VALLEY operate?HERITAGE VALLEY currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join HERITAGE VALLEY?Yes, to access services at HERITAGE VALLEY, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, HERITAGE VALLEY does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, HERITAGE VALLEY provides members with tools to manage their accounts and build a solid financial history. Does HERITAGE VALLEY offer online and mobile banking?Most modern institutions like HERITAGE VALLEY provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://heritagevalleyfcu.org. Current HERITAGE VALLEY Rates
Retrieved from our database of financial products. Rates subject to change.
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