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iAdvertiser Disclosure
Advertiser Disclosure
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 Parks Heritage Federal 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 18, 2026
Parks Heritage Federal Credit Union's CDs of Deposit 48 Month rates are at 3.55%, CDs of Deposit 60 Month rates are at 3.55%, CDs of Deposit 36 Month rates are at 3.50%, CDs of Deposit 24 Month rates are at 3.45%, CDs of Deposit 12 Month rates are at 3.40%. Parks Heritage Federal Credit Union's savings rates are at 0.05%. Parks Heritage Federal Credit Union's money market rates are at 0.05%. Parks Heritage Federal Credit Union's Personal Loan Rates are at 8.00%. MonitorBankRates evaluates the financial stability of Parks Heritage Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.42%. Rates were last updated on 04/18/2026. Parks 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 Parks Heritage Federal Credit Union? Share your experience about Parks Heritage Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Parks Heritage Federal Credit Union. Parks Heritage Federal Credit Union
Parks Heritage Federal Credit Union 5 Murray St
https://www.parksheritagefcu.org Glens Falls, NY 12801 
Parks Heritage Federal Credit Union CD Rates
Parks Heritage Federal Credit Union Savings Rates
Parks Heritage Federal Credit Union Money Market Rates
Parks Heritage Federal Credit Union Home Equity & HELOC
Parks Heritage Federal Credit Union Auto Loan Rates
Parks Heritage Federal Credit Union Credit Card Rates
Parks Heritage Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Parks 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 Parks 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 Parks Heritage Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Parks Heritage Federal Credit Union
Website
https://www.parksheritagefcu.org
Address
5 Murray St,
Glens Falls, NY 12801
Phone
518-926-4700
Fax
518-926-4707
President
Christopher Patnode
CEO
Csilla Bell
Full-Time Employees
9
Part-Time Employees
1
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.42%
Return on Assets (ROA)
1.0664%
Return on Equity (ROE)
6.1237%
Non-Performing Loans Ratio (NPL)
0.12%
Total Assets
38,251,520
Total Amount of Shares and Deposits
31,491,519
Total Shares and Deposits < 1 Year
29,642,557
Total Shares and Deposits 1 3 Years
1,691,554
Total Shares and Deposits > 3 Years
157,408
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
656,303
Total Uninsured Shares and Deposits > $250K (F+J)
656,303
Total Insured Shares and Deposits > $250K (item 17 less item K)
30,835,216
Total Interest Expense (Sum of items 6 8)
310,204
Share Certificates
304
Number of Accounts for Share Drafts
2,651
IRA KEOGH Accounts
145
Number of Accounts for Regular Shares
4,366
All other shares
279
Money Market Shares
176
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,136,490
Total Liabilities
31,524,743
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Parks Heritage Federal Credit UnionIs Parks Heritage Federal Credit Union a safe place to deposit money?Yes, Parks Heritage Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 0.42455131621417%, 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 Parks Heritage Federal Credit Union operate?Parks 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 Parks Heritage Federal Credit Union?Yes, to access services at Parks 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, Parks 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, Parks Heritage Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Parks Heritage Federal Credit Union offer online and mobile banking?Most modern institutions like Parks 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.parksheritagefcu.org. Current Parks Heritage Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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