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First Heritage Federal Credit Union

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First Heritage Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at First Heritage Federal Credit Union?

Current rates for First Heritage Federal Credit Union include: 12-Month CD: 3.75%, 18-Month CD: 3.75%, 24-Month CD: 4.00%, 60-Month CD: 3.95%, Savings: 0.40%

Q: What CD terms does First Heritage Federal Credit Union offer?

First Heritage Federal Credit Union CD rates are 3.75% APY for a 12 month CD, 3.75% APY for an 18 month CD, 4.00% APY for a 2 year CD, 3.80% APY for a 3 year CD, 3.85% APY for a 4 year CD and 3.95% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with First Heritage Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

First Heritage Federal Credit Union's CD - 24 month rates are at 4.00%, CD - 60 month rates are at 3.95%, CD - 48 month rates are at 3.85%, CD - 36 month rates are at 3.80%, CD - 12 month rates are at 3.75%. First Heritage Federal Credit Union's savings rates are at 0.40%. First Heritage Federal Credit Union's checking rates are as high as 0.10%. First Heritage Federal Credit Union's Conventional Fixed Rate Mortgage - 15 Year Fixed rates are at 6.62%, Conventional Fixed Rate Mortgage - 15 Year Fixed with 1 Point rates are at 6.50%, Conventional Fixed Rate Mortgage - 20 Year Fixed rates are at 6.88%, Conventional Fixed Rate Mortgage - 20 Year Fixed with 1 Point rates are at 6.75%, Conventional Fixed Rate Mortgage - 30 Year Fixed with 1 Point rates are at 7.00%. First Heritage Federal Credit Union's Personal Loan Rates are as low as 7.99%. First Heritage Federal Credit Union's Credit Card Rates are at 11.25%. First Heritage Federal Credit Union's CD rates are 28% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 2.80%. Rates last updated and verified on 10/28/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.80%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

First Heritage Federal Credit Union
Coporate HQ Office and Branch

202 Denison Pkwy E
Corning, NY 14830-2813

https://www.fhfcu.org

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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.

First Heritage Federal Credit Union CD Rates

Product	Rate	APY	Term
Jumbo Certificate - 24 Month Jumbo	4.08%	4.16%	24 Months
Min Balance $100,000 Details Jumbo Certificate Minimum Balance: $100,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.16% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Jumbo Certificate - 60 Month Jumbo	4.03%	4.11%	60 Months
Min Balance $100,000 Details Jumbo Certificate Minimum Balance: $100,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.11% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Certificate - 24 month	3.93%	4.00%	24 Months
Min Balance $1,000 Details Certificate Minimum Balance: $1,000 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 4.00% ▲ 0.44 pts · high 4.00% / low 3.56% Sep 25, 20264.00%▲ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Jumbo Certificate - 48 Month Jumbo	3.93%	4.00%	48 Months
Min Balance $100,000 Details Jumbo Certificate Minimum Balance: $100,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Jumbo Certificate - 36 Month Jumbo	3.89%	3.96%	36 Months
Min Balance $100,000 Details Jumbo Certificate Minimum Balance: $100,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.96% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Certificate - 60 month	3.88%	3.95%	60 Months
Min Balance $1,000 Details Certificate Minimum Balance: $1,000 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.71% → 3.95% ▲ 0.24 pts · high 3.95% / low 3.71% Sep 25, 20263.95%▲ from 3.71% Sep 14, 20263.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Jumbo Certificate - 12 Month Jumbo	3.84%	3.91%	12 Months
Min Balance $100,000 Details Jumbo Certificate Minimum Balance: $100,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.91% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Jumbo Certificate - 18 Month Jumbo	3.84%	3.91%	18 Months
Min Balance $100,000 Details Jumbo Certificate Minimum Balance: $100,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.91% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Jumbo Certificate - 6 Month Jumbo	3.79%	3.86%	6 Months
Min Balance $100,000 Details Jumbo Certificate Minimum Balance: $100,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.86% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Certificate - 48 month	3.78%	3.85%	48 Months
Min Balance $1,000 Details Certificate Minimum Balance: $1,000 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.61% → 3.85% ▲ 0.24 pts · high 3.85% / low 3.61% Sep 25, 20263.85%▲ from 3.61% Sep 14, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Certificate - 36 month	3.74%	3.80%	36 Months
Min Balance $1,000 Details Certificate Minimum Balance: $1,000 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.61% → 3.80% ▲ 0.19 pts · high 3.80% / low 3.61% Sep 25, 20263.80%▲ from 3.61% Sep 14, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Certificate - 12 month	3.69%	3.75%	12 Months
Min Balance $1,000 Details Certificate Minimum Balance: $1,000 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55% Sep 25, 20263.75%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Certificate - 18 month	3.69%	3.75%	18 Months
Min Balance $1,000 Details Certificate Minimum Balance: $1,000 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 3.75% ▲ 0.19 pts · high 3.75% / low 3.56% Sep 25, 20263.75%▲ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Certificate - 6 month	3.64%	3.70%	6 Months
Min Balance $1,000 Details Certificate Minimum Balance: $1,000 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65% Sep 25, 20263.70%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Jumbo Certificate - 3 Month Jumbo	2.15%	2.17%	3 Months
Min Balance $100,000 Details Jumbo Certificate Minimum Balance: $100,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.17% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Certificate - 3 month	2.00%	2.02%	3 Months
Min Balance $1,000 Details Certificate Minimum Balance: $1,000 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%

First Heritage Federal Credit Union Savings Rates

Product	Rate	APY
APEX Saver	0.75%	0.75%
Details Qualifications Required; Balance: Up to $50,000.00; Portion of balance over $50,000 earns 0.20% dividend/APY; Qualifications Not Met earns 0.05% dividend/APY Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
IRA Savings	0.40%	0.40%
Min Balance $250,000 Details Balance: Over $250,000.00 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 0.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
IRA Savings	0.35%	0.35%
Min Balance $100,000 Details Balance: $100,000.00 to $249,999.99 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
IRA Savings	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Savings	0.30%	0.30%
Min Balance $250,000 Details Balance: Over $250,000 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Savings	0.25%	0.25%
Min Balance $100,000 Details Balance: $100,000.00 to $249,999.99 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
IRA Savings	0.20%	0.20%
Min Balance $0 Details Balance: $0.00 to $9,999.99 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
IRA Savings	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000.00 to $49,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 0.20% ▼ 2.80 pts · high 3.00% / low 0.20% Sep 18, 20260.20%▼ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Savings	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Savings	0.15%	0.15%
Min Balance $100 Details Balance: $100.00 to $9,999.99 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Savings	0.15%	0.15%
Min Balance $10,000 Details Balance: $10,000.00 to $49,999.99 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Holiday Club	-	0.10%
Details APY; Balance transferred to the prime share on Oct 1st Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Holiday/Vacation Club	0.10%	0.10%
No additional details. Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Vacation Club Savings	-	0.10%
Details APY Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%

First Heritage Federal Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Checking	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%

First Heritage Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Conventional Fixed Rate Mortgage - 15 Year Fixed	6.625%	-	6.691%	15 years
Details Owner Occupied Last Updated 10/28/2026 Rate History 3 changes since Sep 14, 2026 · 6.19% → 6.69% ▲ 0.50 pts · high 6.94% / low 6.19% Oct 28, 20266.69%▼ from 6.94% Oct 12, 20266.94%▲ from 6.32% Sep 17, 20266.32%▲ from 6.19% Sep 14, 20266.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Conventional Fixed Rate Mortgage - 15 Year Fixed with 1 Point	6.50%	1.000	6.724%	15 years
Details Owner Occupied Last Updated 10/28/2026 Rate History 1 change since Oct 12, 2026 · 6.98% → 6.72% ▼ 0.25 pts · high 6.98% / low 6.72% Oct 28, 20266.72%▼ from 6.98% Oct 12, 20266.98%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Conventional Fixed Rate Mortgage - 20 Year Fixed	6.875%	-	6.929%	20 years
Details Owner Occupied Last Updated 10/28/2026 Rate History 3 changes since Sep 14, 2026 · 6.43% → 6.93% ▲ 0.50 pts · high 7.18% / low 6.43% Oct 28, 20266.93%▼ from 7.18% Oct 12, 20267.18%▲ from 6.55% Sep 17, 20266.55%▲ from 6.43% Sep 14, 20266.43%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Conventional Fixed Rate Mortgage - 20 Year Fixed with 1 Point	6.75%	1.000	6.931%	20 years
Details Owner Occupied Last Updated 10/28/2026 Rate History 1 change since Oct 12, 2026 · 7.18% → 6.93% ▼ 0.25 pts · high 7.18% / low 6.93% Oct 28, 20266.93%▼ from 7.18% Oct 12, 20267.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Conventional Fixed Rate Mortgage - 30 Year Fixed with 1 Point	7.00%	1.000	7.14%	30 years
Details Owner Occupied Last Updated 10/28/2026 Rate History 1 change since Oct 12, 2026 · 7.39% → 7.14% ▼ 0.25 pts · high 7.39% / low 7.14% Oct 28, 20267.14%▼ from 7.39% Oct 12, 20267.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Conventional Fixed Rate Mortgage - 30 Year Fixed	7.125%	-	7.167%	30 years
Details Owner Occupied Last Updated 10/28/2026 Rate History 3 changes since Sep 14, 2026 · 6.67% → 7.17% ▲ 0.50 pts · high 7.42% / low 6.67% Oct 28, 20267.17%▼ from 7.42% Oct 12, 20267.42%▲ from 6.79% Sep 17, 20266.79%▲ from 6.67% Sep 14, 20266.67%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%

First Heritage Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle 2023 - Newer - 36 mos. Loan	-	-	5.24%	Up To 36 months
Details As Low As; Terms (Up To) 36 mos.; Monthly Payment per $1,000 not captured; minimum amount for terms over 75 months is $25,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
New Vehicle 2023 - Newer - 48 mos. Loan	-	-	5.49%	Up To 48 months
Details As Low As; minimum amount for terms over 75 months is $25,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
New Vehicle 2023 - Newer - 66 mos. Loan	-	-	5.74%	Up To 66 months
Details As Low As; minimum amount for terms over 75 months is $25,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Used Vehicle Loan	-	-	5.74%	Up to 36 months
Details As Low As; Model Year: 2019 - 2022; Minimum amount for terms over 75 months is $25,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
New Vehicle 2023 - Newer - 75 mos. Loan	-	-	5.99%	Up To 75 months
Details As Low As; minimum amount for terms over 75 months is $25,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Used Vehicle Loan	-	-	5.99%	Up to 48 months
Details As Low As; Model Year: 2019 - 2022; Minimum amount for terms over 75 months is $25,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Used Vehicle Loan	-	-	6.24%	Up to 66 months
Details As Low As; Model Year: 2019 - 2022; Minimum amount for terms over 75 months is $25,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
New Vehicle 2023 - Newer - 84 mos. Loan	-	-	6.49%	Up To 84 months
Details As Low As; minimum amount for terms over 75 months is $25,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Used Vehicle Loan	-	-	6.49%	Up to 75 months
Details As Low As; Model Year: 2019 - 2022; Minimum amount for terms over 75 months is $25,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Used Vehicle Loan	-	-	6.99%	Up to 84 months
Details As Low As; Model Year: 2019 - 2022; Minimum amount for terms over 75 months is $25,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Older Vehicle 2018 - Older Loan	-	-	7.24%	Up to 36 months
Details As Low As; Vehicle model year 2018 - Older; Annual Percentage Rate (As low as) Last Updated 10/28/2026 Rate History 1 change since Sep 17, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99% Sep 25, 20267.24%▲ from 6.99% Sep 17, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Older Vehicle 2018 - Older Loan	-	-	7.49%	Up to 48 months
Details As Low As; Vehicle model year 2018 - Older; Annual Percentage Rate (As low as) Last Updated 10/28/2026 Rate History 1 change since Sep 17, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24% Sep 25, 20267.49%▲ from 7.24% Sep 17, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Older Vehicle 2018 - Older Loan	-	-	7.74%	Up to 60 months
Details As Low As; Vehicle model year 2018 - Older; Annual Percentage Rate (As low as) Last Updated 10/28/2026 Rate History 1 change since Sep 17, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49% Sep 25, 20267.74%▲ from 7.49% Sep 17, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%

First Heritage Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle 2023 - Newer Loan	-	6.24%	Up to 48 months
Details As Low As; Minimum amount for terms over 75 months is $25,000 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99% Sep 25, 20266.24%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
New Motorcycle 2023 - Newer Loan	-	6.49%	Up to 66 months
Details As Low As; Minimum amount for terms over 75 months is $25,000 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Sep 25, 20266.49%▲ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
New Motorcycle 2023 - Newer Loan	-	6.74%	Up to 75 months
Details As Low As; Minimum amount for terms over 75 months is $25,000 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49% Sep 25, 20266.74%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Recreational Vehicles (excluding ATV/UTV/Cycle) 2019 - Newer - 66 mos Loan	-	6.74%	Up to 66 months
Details As Low As; Minimum amount for terms over 75 months is $25,000; Monthly payment per $1,000: $18.17 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Used Motorcycle 2019 - 2022 Loan	-	6.74%	48 months
Details As Low As; Terms (Up To); Monthly payment per $1,000: $23.83 Last Updated 10/28/2026 Rate History 4 changes since Sep 14, 2026 · 7.24% → 6.74% ▼ 0.50 pts · high 7.74% / low 6.74% Oct 8, 20266.74%▼ from 7.49% Sep 25, 20267.49%▲ from 7.24% Sep 18, 20267.24%▼ from 7.74% Sep 17, 20267.74%▲ from 7.24% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Recreational Vehicles (excluding ATV/UTV/Cycle) 2019 - Newer - 75 mos Loan	-	6.99%	Up to 75 months
Details As Low As; Minimum amount for terms over 75 months is $25,000; Monthly payment per $1,000: $16.50 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Used Motorcycle 2019 - 2022 Loan	-	6.99%	66 months
Details As Low As; Terms (Up To); Monthly payment per $1,000: $18.29 Last Updated 10/28/2026 Rate History 4 changes since Sep 14, 2026 · 7.49% → 6.99% ▼ 0.50 pts · high 7.99% / low 6.99% Oct 8, 20266.99%▼ from 7.74% Sep 25, 20267.74%▲ from 7.49% Sep 18, 20267.49%▼ from 7.99% Sep 17, 20267.99%▲ from 7.49% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Used Motorcycle 2019 - 2022 Loan	-	7.24%	75 months
Details As Low As; Terms (Up To); Monthly payment per $1,000: $16.62 Last Updated 10/28/2026 Rate History 4 changes since Sep 14, 2026 · 7.74% → 7.24% ▼ 0.50 pts · high 8.24% / low 7.24% Oct 8, 20267.24%▼ from 7.99% Sep 25, 20267.99%▲ from 7.74% Sep 18, 20267.74%▼ from 8.24% Sep 17, 20268.24%▲ from 7.74% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Recreational Vehicles (excluding ATV/UTV/Cycle) 2019 - Newer - 84 mos Loan	-	7.49%	Up to 84 months
Details As Low As; Minimum amount for terms over 75 months is $25,000; Monthly payment per $1,000: $15.33 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24% Oct 23, 20267.49%▲ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Recreational Vehicles (excluding ATV/UTV/Cycle) 2019 - Newer - 120 mos Loan	-	7.74%	Up to 120 months
Details As Low As; Minimum amount for terms over 75 months is $25,000; Monthly payment per $1,000: $12.00 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49% Oct 23, 20267.74%▲ from 7.49% Sep 14, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Recreational Vehicles (excluding ATV/UTV/Cycle) 2019 - Newer - 180 mos Loan	-	7.99%	Up to 180 months
Details As Low As; Minimum amount for terms over 75 months is $25,000; Monthly payment per $1,000: $9.55 Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 7.74% → 7.99% ▲ 0.25 pts · high 7.99% / low 7.74% Oct 23, 20267.99%▲ from 7.74% Sep 14, 20267.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%

First Heritage Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	11.25%
Details Variable-Rate Information: Your annual percentage rate may vary. (Prime plus 4.5% changes quarterly.); Balance transfer rate of 1.99% APR effective for 12 months; Grace Period for Purchases: 25 days; Late Payment Fee: $25.00 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 11.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Visa Classic	-	13.25%
Details Variable-Rate Information:; Grace Period for Purchases: 25 days; Late Payment Fee: $25.00 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 13.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%

First Heritage Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	7.99%
Details As Low As; Good for practically any purpose including auto repairs, unexpected bills, vacations or other purchases; Debt Protection is available Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Signature/Personal Loan	7.99%	Up to 12 months
Details As Low As; Fixed-Rate Loan; Monthly payment based on a 30 Day Month; Not all applicants will qualify for the lowest rate Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Signature/Personal Loan	8.99%	Up to 24 months
Details As Low As; Fixed-Rate Loan; Monthly payment based on a 30 Day Month; Not all applicants will qualify for the lowest rate Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Signature/Personal Loan	9.99%	Up to 36 months
Details As Low As; Fixed-Rate Loan; Monthly payment based on a 30 Day Month; Not all applicants will qualify for the lowest rate Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Signature/Personal Loan	10.74%	Up to 48 months
Details As Low As; Fixed-Rate Loan; Monthly payment based on a 30 Day Month; Not all applicants will qualify for the lowest rate Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 10.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Signature/Personal Loan	10.99%	Up to 60 months
Details As Low As; Fixed-Rate Loan; Monthly payment based on a 30 Day Month; Not all applicants will qualify for the lowest rate Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%

First Heritage Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
New Motorsport 2023 - Newer Loan	-	-	7.49%	48 months
Details As Low As; Terms (Up To); Monthly payment per $1,000: $24.17; minimum amount for terms over 75 months is $25,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
New Motorsport 2023 - Newer Loan	-	-	7.74%	66 months
Details As Low As; Terms (Up To); Monthly payment per $1,000: $18.65; minimum amount for terms over 75 months is $25,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
New Motorsport 2023 - Newer Loan	-	-	7.99%	75 months
Details As Low As; Terms (Up To); Monthly payment per $1,000: $16.98; minimum amount for terms over 75 months is $25,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Real Estate Loans	-	-	6.24%	10 years
Details 80% LTV Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Real Estate Loans	-	-	6.49%	15 years
Details 80% LTV Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Used Motorsport 2019 - 2022 Loan	-	-	7.99%	Up to 48 months
Details As Low As; Monthly payment per $1,000: $24.41; minimum amount for terms over 75 months is $25,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Used Motorsport 2019 - 2022 Loan	-	-	8.24%	Up to 66 months
Details As Low As; Monthly payment per $1,000: $18.89; minimum amount for terms over 75 months is $25,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 8.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Used Motorsport 2019 - 2022 Loan	-	-	8.49%	Up to 75 months
Details As Low As; Monthly payment per $1,000: $17.23; minimum amount for terms over 75 months is $25,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 8.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
apex cash	-	-	3.00%
Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
APEX Saver	-	-	0.75%
Details Qualifications Required; Qualifying balance up to $50,000.00; Featured APY up to 0.75%; Base rate of 0.20% APY on balances over $50,000 when qualifications are not met Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

First Heritage Federal Credit Union’s Texas Ratio rose from 1.02% in Q3 2023 to 2.80% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$840M	2.80%	5.0	A+
March 31, 2026	$838M	1.87%	5.0	A+
December 31, 2025	$805M	3.47%	5.0	A+
September 30, 2025	$788M	2.17%	5.0	A+
June 30, 2025	$786M	2.32%	5.0	A+
March 31, 2025	$771M	1.89%	5.0	A+
December 31, 2024	$748M	2.01%	5.0	A+
September 30, 2024	$732M	1.85%	5.0	A+
June 30, 2024	$728M	1.69%	5.0	A+
March 31, 2024	$719M	1.39%	5.0	A+
December 31, 2023	$701M	1.83%	5.0	A+
September 30, 2023	$690M	1.02%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 154

Part-Time Employees 1

Branch Locations 9

ATM Locations 12

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.80%

Return on Assets (ROA)

0.4785%

Return on Equity (ROE)

4.4446%

Non-Performing Loans Ratio (NPL)

0.44%

Total Assets

839,661,562

Total Amount of Shares and Deposits

748,448,517

Total Shares and Deposits < 1 Year

700,683,573

Total Shares and Deposits 1 3 Years

44,800,804

Total Shares and Deposits > 3 Years

2,964,140

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

71,185,052

Total Uninsured Shares and Deposits > $250K (F+J)

71,185,052

Total Insured Shares and Deposits > $250K (item 17 less item K)

677,263,465

Total Interest Expense (Sum of items 6 8)

6,166,195

Share Certificates

8,078

Number of Accounts for Share Drafts

29,855

IRA KEOGH Accounts

2,342

Number of Accounts for Regular Shares

77,785

All other shares

1,041

Money Market Shares

2,607

Net Income (unless the amount is already included in Undivided Earnings)

4,018,035

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)

11,897,703

Total Liabilities

751,187,573

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First Heritage Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About First Heritage Federal Credit Union

Does First Heritage Federal Credit Union offer CDs?

Yes. First Heritage Federal Credit Union current CD rates include its CD - 24 month at 4.00% APY, its CD - 60 month at 3.95% APY and its CD - 48 month at 3.85% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from First Heritage Federal Credit Union NCUA insured?

Yes. First Heritage Federal 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 First Heritage Federal Credit Union?

The highest First Heritage Federal Credit Union CD rate is its Jumbo CD - 24 Month Jumbo at 4.16% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does First Heritage Federal Credit Union offer?

First Heritage Federal Credit Union CD rates are 3.75% APY for a 12 month CD, 3.75% APY for an 18 month CD, 4.00% APY for a 2 year CD, 3.80% APY for a 3 year CD, 3.85% APY for a 4 year CD and 3.95% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with First Heritage Federal Credit Union for its full lineup.

What is the highest savings rate at First Heritage Federal Credit Union?

The highest First Heritage Federal Credit Union savings rate is its IRA Savings at 0.40% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at First Heritage Federal Credit Union?

The highest First Heritage Federal Credit Union checking rate is its Business Checking at 0.10% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest 30 year fixed mortgage rate at First Heritage Federal Credit Union?

The lowest First Heritage Federal Credit Union 30 year fixed mortgage rate is its Conventional Fixed Rate Mortgage - 30 Year Fixed with 1 Point at 7.00%, verified by MonitorBankRates as of October 28, 2026. First Heritage Federal Credit Union mortgage rates are 7.00% for a 30 year mortgage, 6.75% for a 20 year mortgage and 6.50% for a 15 year mortgage.

What is the lowest auto loan rate at First Heritage Federal Credit Union?

The lowest First Heritage Federal Credit Union auto loan rate is its New Vehicle 2023 - Newer - 36 mos. Loan at 5.24% APR, verified by MonitorBankRates as of October 28, 2026. First Heritage Federal Credit Union auto loan rates are 5.24% APR for a 36 month auto loan, 5.49% APR for a 48 month auto loan, 5.74% APR for a 66 month auto loan, 5.99% APR for a 75 month auto loan, 6.49% APR for an 84 month auto loan, 7.74% APR for a 120 month auto loan and 7.99% APR for a 180 month auto loan.

What is the lowest personal loan rate at First Heritage Federal Credit Union?

The lowest First Heritage Federal Credit Union personal loan rate is its Personal Loan at 7.99% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest credit card APR at First Heritage Federal Credit Union?

The lowest First Heritage Federal Credit Union credit card APR is its Visa Platinum Credit Card at 11.25% APR, verified by MonitorBankRates as of October 28, 2026.

How 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.

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 First Heritage Federal Credit Union rates compare?

First Heritage Federal Credit Union's CD rates are 28% higher than the MonitorBankRates national average, and it has an A+ health rating. First Heritage Federal Credit Union's top rates are its Jumbo CD - 24 Month Jumbo at 4.16% APY, its IRA Savings at 0.40% APY, its Business Checking at 0.10% APY, its Conventional Fixed Rate Mortgage - 15 Year Fixed with 1 Point at 6.50%, its Personal Loan at 7.99% APR and its Visa Platinum Credit Card at 11.25% APR, verified by MonitorBankRates on October 28, 2026.

Current First Heritage Federal Credit Union Rates

12-Month CD3.75%
18-Month CD3.75%
24-Month CD4.00%
60-Month CD3.95%
Savings0.40%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

First Heritage Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First Heritage Federal Credit Union Texas Ratio

First Heritage Federal Credit Union Health Trend

First Heritage Federal Credit Union CD Rates

First Heritage Federal Credit Union Savings Rates

First Heritage Federal Credit Union Business Checking Rates

First Heritage Federal Credit Union Mortgage Rates

First Heritage Federal Credit Union Auto Loan Rates

First Heritage Federal Credit Union RV, Boat and Powersport Loan Rates

First Heritage Federal Credit Union Credit Card Rates

First Heritage Federal Credit Union Personal Loan Rates

First Heritage Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

First Heritage Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First Heritage Federal Credit Union

Does First Heritage Federal Credit Union offer CDs?

Are CDs from First Heritage Federal Credit Union NCUA insured?

What is the highest CD rate at First Heritage Federal Credit Union?

What CD terms does First Heritage Federal Credit Union offer?

What is the highest savings rate at First Heritage Federal Credit Union?

What is the highest checking rate at First Heritage Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at First Heritage Federal Credit Union?

What is the lowest auto loan rate at First Heritage Federal Credit Union?

What is the lowest personal loan rate at First Heritage Federal Credit Union?

What is the lowest credit card APR at First Heritage Federal Credit Union?

How many branches does First Heritage Federal Credit Union operate?

Is a member application needed to join First Heritage Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First Heritage Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do First Heritage Federal Credit Union rates compare?

Current First Heritage Federal Credit Union Rates

Compare to Other Credit Unions