FIRST HERITAGE

Headquarters

110 Village Sq
Painted Post, NY 14870
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.91% →
1-Year CD 0.65% 0.85% →
2-Year CD 0.95% 0.95% →
5-Year CD 1.51% 1.30% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

First Heritage is an NCUA insured institution located in Painted Post, NY. It was founded in 1954 and has approximately $510.93 millions in assets.

Who can join?

Persons who live, work, worship or attend school in the three county community, comprised of Steuben and Chemung Counties, New York and Tioga County, Pennsylvania, as well as their immediate family members*, and also including businesses and other legal entities located in the proposed community.

*Immediate Family Member is defined as spouse, sibling, children, parent, grandparent, or grandchild. For the purposes of this definition, immediate family member includes stepparent, stepchildren, stepsiblings, and adoptive relationships.

Household is defined as persons living in the same residence maintaining a single economic unit. Membership eligibility is extended only to individuals who are members of an immediate family or household of an eligible credit union member.

NCUA Insured Yes
Charter Number # # 9604
Date Established 1954
Assets $510.93 million
Loans $343.59 million
Deposits $449.18 million
Capital $57.65 million
 

Field of Membership Restrictions

Must live, work, worship or attend school in Chemung or Steuben County, New York or Tioga County, Pennsylvania.

Deposit Rates - November 23, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.45% $10,000 $14,999 Learn More
6 Mo CD
0.45% $100,000 $199,999 Learn More
12 Mo CD
0.60% $10,000 $14,999 Learn More
12 Mo CD
0.65% $100,000 $199,999 Learn More
18 Mo CD
0.75% $10,000 $14,999 Learn More
18 Mo CD
0.75% $100,000 $199,999 Learn More
24 Mo CD
0.90% $10,000 $14,999 Learn More
24 Mo CD
0.95% $100,000 $199,999 Learn More
36 Mo CD
1.16% $10,000 $14,999 Learn More
36 Mo CD
1.16% $100,000 $199,999 Learn More
48 Mo CD
1.36% $10,000 $14,999 Learn More
48 Mo CD
1.36% $100,000 $199,999 Learn More
60 Mo CD
1.51% $10,000 $14,999 Learn More
60 Mo CD
1.51% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
Var IRA
0.50% $1 $499 Learn MoreShow Less

Loan Rates - November 23, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for FIRST HERITAGE

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.588% 2.500% 1.00 $2,902 $988 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.557% 2.500% 0.75 $1,868 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to FIRST HERITAGE
To upload and update your bank's rates please register. It is free to register and add rates.



Branches

Below are First Heritage branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


First Heritage Locations


Financial Details

First Heritage Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Heritage. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
First Heritage U.S. Average
3.30% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, First Heritage had $1,873,343 in non-current loans and $103,168 in owned assets. To cover these potential losses it had $57,646,665 in net worth and $2,323,872 in loans loss reserves. That gives it a Texas Ratio of 3.30%.

Net Worth
First Heritage U.S. Average
11.28% 13.61%

First Heritage FCU has a net worth of 11.28% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About First Heritage

Branches and Savings

What is First Heritage?

A federal credit union, registered with the NCUA under certificate #9604.
Learn more about credit unions here.

Is First Heritage FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join First Heritage?

Please see Field of Membership information above for information on who is eligible to join.

What are First Heritage's share account and share certificate rates?

First Heritage's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is First Heritage?

First Heritage has total capital of $57.65 million. Full information on First Heritage's financial position is located above.

Who owns First Heritage?

Credit Unions are owned by their members.

Where are First Heritage branches located?

See branch locations nearby.

Are First Heritage ATMs Open 24/7?

Do First Heritage ATMs accept cash deposits?

Can First Heritage customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does First Heritage have a mobile app?

Does First Heritage have mobile deposit?

Does First Heritage have quick pay?

How can First Heritage transfer money to other banks or credit unions?

Does First Heritage report to credit bureaus?

Does First Heritage use Chexsystems?

Does First Heritage use Equifax?

What is First Heritage's toll free phone number?

What is First Heritage's ACH Routing Number?

What is First Heritage's SWIFT code?

Where can I find First Heritage's wire transfer form?

What is the First Heritage address for deposits?

What Products Does First Heritage Offer

Does First Heritage offer mortgages?

Compare mortgage rates here.

Does First Heritage offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Heritage offer auto and RV loans?

Compare auto loan rates here.

Does First Heritage offer student loans or personal loans?

Compare personal loan rates here.

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