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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 Financial Credit Union Rates & Review April 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: April 19, 2026
Heritage Financial Credit Union's 5 Month CD rates are at 4.00%, 5 Share/IRA CD Special with New Money rates are at 4.00%, 12 Month CD Special rates are at 3.75%, 12 Share/IRA CD Special rates are at 3.75%, 7 Share/IRA CD rates are at 3.40%. Heritage Financial Credit Union's savings rates are at 0.01%. Heritage Financial Credit Union's Fixed Rate 15 Year Mortgage rates are at 5.50%, Five/Six Adjustable (5/6m) Arm rates are at 5.75%, Fixed Rate 30 Year Mortgage rates are at 5.88%, Seven/Six Adjustable (7/6m) Arm rates are at 5.88%. 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 11.57%. Rates were last updated on 04/19/2026. 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 
Heritage Financial Credit Union CD Rates
Heritage Financial Credit Union Savings Rates
Heritage Financial Credit Union Checking Rates
Heritage Financial Credit Union Mortgage Rates
Heritage Financial Credit Union Home Equity & HELOC
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
150
Part-Time Employees
7
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
11.57%
Return on Assets (ROA)
0.2710%
Return on Equity (ROE)
2.6623%
Non-Performing Loans Ratio (NPL)
1.39%
Total Assets
789,569,277
Total Amount of Shares and Deposits
621,691,781
Total Shares and Deposits < 1 Year
614,208,350
Total Shares and Deposits 1 3 Years
6,662,119
Total Shares and Deposits > 3 Years
821,314
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
26,672,305
Total Uninsured Shares and Deposits > $250K (F+J)
61,482,105
Total Insured Shares and Deposits > $250K (item 17 less item K)
560,209,676
Total Interest Expense (Sum of items 6 8)
9,802,304
Share Certificates
2,821
Number of Accounts for Share Drafts
20,014
IRA KEOGH Accounts
619
Number of Accounts for Regular Shares
90,131
All other shares
4,492
Non Member Deposits
18
Money Market Shares
1,428
Net Income (unless the amount is already included in Undivided Earnings)
2,140,126
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
22,738,656
Total Liabilities
735,858,355
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Heritage Financial Credit UnionIs Heritage Financial Credit Union a safe place to deposit money?Yes, Heritage Financial Credit Union is considered a safe financial institution. With a Texas Ratio of 11.568517012358%, 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 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. Current Heritage Financial Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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