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 First Heritage Federal Credit Union Rates & Review August 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 and Verified: August 28, 2026
First Heritage Federal Credit Union's 60 month rates are at 3.71%, 6 month rates are at 3.65%, CASHBACK 6 MONTH CD rates are at 3.65%, 36 month rates are at 3.61%, 48 month rates are at 3.61%. First Heritage Federal Credit Union's savings rates are at 0.05%. First Heritage Federal Credit Union's money market rates are at 0.25%. First Heritage Federal Credit Union's Conventional Fixed Rate Mortgage - 15 Year Fixed rates are at 6.00%, Conventional Fixed Rate Mortgage - 15 Year Fixed rates are at 5.88%, Conventional Fixed Rate Mortgage - 15 Year Fixed rates are at 5.75%, Conventional Fixed Rate Mortgage - 20 Year Fixed rates are at 6.00%, Conventional Fixed Rate Mortgage - 20 Year Fixed rates are at 6.12%. First Heritage Federal Credit Union's Personal Loan Rates are at 7.99%. MonitorBankRates evaluates the financial stability of First Heritage Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.17%. Rates last updated and verified on 08/28/2026. First Heritage Federal Credit Union 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 First Heritage Federal Credit Union? Share your experience about First Heritage Federal Credit Union by leaving a review below, or read customer reviews before you decide to use First Heritage Federal Credit Union. First Heritage Federal Credit Union
Coporate HQ Office and Branch 202 Denison Pkwy E
https://www.fhfcu.org Corning, NY 14830 2813 
First Heritage Federal Credit Union CD Rates
First Heritage Federal Credit Union Savings Rates
First Heritage Federal Credit Union Money Market Rates
First Heritage Federal Credit Union Checking Rates
First Heritage Federal Credit Union Mortgage Rates
First Heritage Federal Credit Union Auto Loan Rates
First Heritage Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for First Heritage Federal Credit Union 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 First Heritage Federal Credit Union 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 First Heritage Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
First Heritage Federal Credit Union
Website
https://www.fhfcu.org
Address
202 Denison Pkwy E,
Corning, NY 14830 2813
Phone
607-936-4667
Fax
President
Robert Blair
CEO
Thomas Pisano
Full-Time Employees
145
Part-Time Employees
1
Branch Locations
9
ATM Locations
12
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.17%
Return on Assets (ROA)
0.5854%
Return on Equity (ROE)
5.4900%
Non-Performing Loans Ratio (NPL)
0.33%
Total Assets
787,517,551
Total Amount of Shares and Deposits
698,654,086
Total Shares and Deposits < 1 Year
628,254,797
Total Shares and Deposits 1 3 Years
68,043,420
Total Shares and Deposits > 3 Years
2,355,869
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
57,409,864
Total Uninsured Shares and Deposits > $250K (F+J)
57,409,864
Total Insured Shares and Deposits > $250K (item 17 less item K)
641,244,222
Total Interest Expense (Sum of items 6 8)
9,527,032
Share Certificates
7,821
Number of Accounts for Share Drafts
28,919
IRA KEOGH Accounts
2,261
Number of Accounts for Regular Shares
75,196
All other shares
963
Money Market Shares
2,584
Net Income (unless the amount is already included in Undivided Earnings)
4,610,483
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
5,803,896
Total Liabilities
703,474,682
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
There are no reviews for First Heritage Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for First Heritage Federal Credit Union
Frequently Asked Questions About First Heritage Federal Credit UnionHow many branches does First Heritage Federal Credit Union operate?First Heritage Federal Credit Union 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 First Heritage Federal Credit Union?Yes, to access services at First Heritage Federal Credit Union, 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, First Heritage Federal Credit Union 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, First Heritage Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does First Heritage Federal Credit Union offer online and mobile banking?Most modern institutions like First Heritage Federal Credit Union 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: https://www.fhfcu.org. Current First Heritage Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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