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iAdvertiser Disclosure
Advertiser Disclosure
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 Heritage Financial Credit Union Rates & Review October 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.
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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: October 30, 2026
Heritage Financial Credit Union's Share/IRA CD - 24 month rates are at 4.40%, Share/IRA CD - 18 month rates are at 4.30%, Share/IRA CD Special - 12 month rates are at 4.25%, Share/IRA CD Special - 4 month rates are at 4.25%, Share/IRA CD - 7 month rates are at 3.40%. Heritage Financial Credit Union's savings rates are at 2.25%. Heritage Financial Credit Union's checking rates are as high as 5.00%. Heritage Financial Credit Union's Five/Six Adjustable (5/6m) Arm rates are at 5.75%, Seven/Six Adjustable (7/6m) Arm rates are at 5.88%, Fixed Rate 15 Year Mortgage rates are at 6.88%, Fixed Rate 30 Year Mortgage rates are at 7.00%. Heritage Financial Credit Union's Auto Loan Rates are as low as 5.24%. MonitorBankRates evaluates the financial stability of Heritage Financial Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.14%. Rates last updated and verified on 10/30/2026. Heritage Financial 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 Heritage Financial Credit Union? Share your experience about Heritage Financial Credit Union by leaving a review below, or read customer reviews before you decide to use Heritage Financial Credit Union. Heritage Financial Credit Union
Heritage Financial CU 25 Rykowski Ln
https://heritagefcu.com Middletown, NY 10941-4019  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Heritage Financial Credit Union CD Rates
Heritage Financial Credit Union Savings Rates
Heritage Financial Credit Union Business Savings Rates
Heritage Financial Credit Union Checking Rates
Heritage Financial Credit Union Business Checking Rates
Heritage Financial Credit Union Mortgage Rates
Heritage Financial Credit Union Home Equity & HELOC
Heritage Financial Credit Union Auto Loan Rates
Heritage Financial Credit Union RV, Boat and Powersport Loan Rates
Heritage Financial Credit Union Other Rates
Financial Health HistoryHeritage Financial Credit Union’s Texas Ratio rose from 8.72% in Q1 2026 to 12.14% in Q2 2026, so its financial health has held steady at a healthy level over the past 2 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Heritage Financial 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 Heritage Financial 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 Heritage Financial Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Heritage Financial Credit Union
Website
https://heritagefcu.com
Address
25 Rykowski Ln,
Middletown, NY 10941-4019
Phone
845-561-5607
Fax
845-326-1519
President
Kenneth Affeldt
CEO
F. Thomas Cornelius
Full-Time Employees
146
Part-Time Employees
4
Branch Locations
14
ATM Locations
15
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
12.14%
Return on Assets (ROA)
0.1166%
Return on Equity (ROE)
1.1359%
Non-Performing Loans Ratio (NPL)
1.61%
Total Assets
807,961,572
Total Amount of Shares and Deposits
673,704,774
Total Shares and Deposits < 1 Year
669,464,044
Total Shares and Deposits 1 3 Years
3,347,616
Total Shares and Deposits > 3 Years
893,116
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
30,675,809
Total Uninsured Shares and Deposits > $250K (F+J)
65,490,863
Total Insured Shares and Deposits > $250K (item 17 less item K)
608,213,911
Total Interest Expense (Sum of items 6 8)
6,963,942
Share Certificates
3,550
Number of Accounts for Share Drafts
20,038
IRA KEOGH Accounts
610
Number of Accounts for Regular Shares
90,566
All other shares
4,269
Non Member Deposits
3
Money Market Shares
1,307
Net Income (unless the amount is already included in Undivided Earnings)
941,994
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)
52,882,516
Total Liabilities
751,247,719
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Heritage Financial Credit UnionDoes Heritage Financial Credit Union offer CDs?Yes. Heritage Financial Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Heritage Financial Credit Union CD rates verified by MonitorBankRates as of October 30, 2026 include its Share/IRA CD - 24 month at 4.40% APY, its Share/IRA CD - 18 month at 4.30% APY and its Share/IRA CD Special - 12 month at 4.25% APY. Are CDs from Heritage Financial Credit Union NCUA insured?Yes. Heritage Financial Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Heritage Financial Credit Union?The highest Heritage Financial Credit Union CD rate is its Share/IRA CD - 24 month at 4.40% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Heritage Financial Credit Union offer?Heritage Financial Credit Union CD rates are 4.25% APY for a 4 month CD, 3.40% APY for a 7 month CD, 4.00% APY for a 12 month CD, 4.30% APY for an 18 month CD, 4.40% APY for a 2 year CD and 2.55% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Heritage Financial Credit Union for its full lineup. What is the highest savings rate at Heritage Financial Credit Union?The highest Heritage Financial Credit Union savings rate is its Business Advance Savings at 2.25% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Heritage Financial Credit Union?The highest Heritage Financial Credit Union checking rate is its Heritage High Yield Checking at 5.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest 30 year fixed mortgage rate at Heritage Financial Credit Union?The lowest Heritage Financial Credit Union 30 year fixed mortgage rate is its Fixed Rate 30 Year Mortgage at 7.00%, verified by MonitorBankRates as of October 30, 2026. Heritage Financial Credit Union mortgage rates are 7.00% for a 30 year mortgage and 6.875% for a 15 year mortgage. What is the lowest auto loan rate at Heritage Financial Credit Union?The lowest Heritage Financial Credit Union auto loan rate is its Tier 1 Auto (Model Years 2024-Present) at 5.24% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Heritage Financial Credit Union operate?Heritage Financial 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 Heritage Financial Credit Union?Yes, to access services at Heritage Financial 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, Heritage Financial 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, Heritage Financial Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Heritage Financial Credit Union offer online and mobile banking?Most modern institutions like Heritage Financial 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://heritagefcu.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Heritage Financial Credit Union rates compare?Heritage Financial Credit Union's top rates are its Share/IRA CD - 24 month at 4.40% APY, its Business Advance Savings at 2.25% APY, its Heritage High Yield Checking at 5.00% APY, its Five/Six Adjustable (5/6m) Arm at 5.75% and its Tier 1 Auto (Model Years 2024-Present) at 5.24% APR, verified by MonitorBankRates on October 30, 2026. Current Heritage Financial Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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