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%, MMA: 1.26%

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First Heritage Federal Credit Union

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First Heritage Federal Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

First Heritage Federal Credit Union's top rates as of October 12, 2026 are 4.16% APY on its 24 Month Jumbo CD, 0.40% APY on savings, 1.26% APY on money market accounts, 0.10% APY on checking, 6.75% on its Conventional Fixed Rate Mortgage - 15 Year Fixed with 1 Point, personal loans from 7.99% APR, and credit cards from 11.25% APR, according to rates verified by MonitorBankRates. Other First Heritage Federal Credit Union CD rates include 60 Month Jumbo CD at 4.11%, 24 Month CD at 4.00%, and 48 Month Jumbo CD at 4.00%. Other First Heritage Federal Credit Union mortgage rates include Conventional Fixed Rate Mortgage - 15 Year Fixed at 6.88%, Conventional Fixed Rate Mortgage - 20 Year Fixed at 7.12%, and Conventional Fixed Rate Mortgage - 20 Year Fixed with 1 Point at 7.00%. 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 10/12/2026.

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 Q2 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
24 Month Jumbo Certificate	4.08%	4.16%	24 Month
Min Balance $100,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.16% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
60 Month Jumbo Certificate	4.03%	4.11%	60 Month
Min Balance $100,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.11% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
24 Month Certificate	3.93%	4.00%	24 Months
Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
48 Month Jumbo Certificate	3.93%	4.00%	48 Month
Min Balance $100,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
36 Month Jumbo Certificate	3.89%	3.96%	36 Month
Min Balance $100,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.96% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
60 Month Certificate	3.88%	3.95%	60 Months
Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.95% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
12 Month Jumbo Certificate	3.84%	3.91%	12 Month
Min Balance $100,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.91% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
18 Month Jumbo Certificate	3.84%	3.91%	18 Month
Min Balance $100,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.91% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
6 Month Jumbo Certificate	3.79%	3.86%	6 Month
Min Balance $100,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.86% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
48 Month Certificate	3.78%	3.85%	48 Months
Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
36 Month Certificate	3.74%	3.80%	36 Months
Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
12 Month Certificate	3.69%	3.75%	12 Months
Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
18 Month Certificate	3.69%	3.75%	18 Months
Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
6 Month Certificate	3.64%	3.70%	6 Months
Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
3 Month Jumbo Certificate	2.15%	2.17%	3 Month
Min Balance $100,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.17% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
3 Month Certificate	2.00%	2.02%	3 Months
Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.02% APY 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 Balance: Up to $50,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 3 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 10/12/2026 Rate History No change since Sep 18, 2026 · 0.40% APY · checked 6 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 10/12/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 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 10/12/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 7 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 10/12/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 7 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 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 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 10/12/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 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 10/12/2026 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 10/12/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 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 10/12/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 6 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 10/12/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Holiday Club	-	0.10%
Details Balance transferred to the prime share on Oct 1st. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 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 10/12/2026 Rate History No change since Oct 12, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Vacation Club Savings	-	0.10%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%

First Heritage Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.25%	1.26%
Min Balance $250,000 Details Balance: Over $250,000 Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 1.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Money Market	1.00%	1.00%
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Money Market	0.65%	0.65%
Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Money Market	0.25%	0.25%
Min Balance $2,500 Details Balance: $2,500 to $49,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 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 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 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	6.875%	-	6.942%	15 years
Details Owner Occupied Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 6.19% → 6.94% ▲ 0.75 pts · high 6.94% / low 6.19% 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	6.75%	1.000	6.975%	15 years
Details Owner Occupied Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.98% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Conventional Fixed Rate Mortgage - 20 Year Fixed	7.125%	-	7.179%	20 years
Details Owner Occupied Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 6.43% → 7.18% ▲ 0.75 pts · high 7.18% / low 6.43% 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	7.00%	1.000	7.183%	20 years
Details Owner Occupied Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.18% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Conventional Fixed Rate Mortgage - 30 Year Fixed with 1 Point	7.25%	1.000	7.392%	30 years
Details Owner Occupied Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Conventional Fixed Rate Mortgage - 30 Year Fixed	7.375%	-	7.417%	30 years
Details Owner Occupied Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 6.67% → 7.42% ▲ 0.75 pts · high 7.42% / low 6.67% 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 Loan	-	-	5.24%	36 months
Details As Low As; Terms (Up To) 36 mos. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99% Sep 25, 20265.24%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
New Vehicle 2023 - Newer Loan	-	-	5.49%	48 months
Details As Low As; Terms (Up To) 48 mos. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24% Sep 25, 20265.49%▲ from 5.24% Sep 14, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
New Vehicle 2023 - Newer Loan	-	-	5.74%	66 months
Details As Low As; Terms (Up To) 66 mos. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49% Sep 25, 20265.74%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Used Vehicle 2019 - 2022 Loan	-	-	5.74%	Up to 36 months
Details As Low As; Vehicle loan Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49% Sep 25, 20265.74%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
New Vehicle 2023 - Newer Loan	-	-	5.99%	75 months
Details As Low As; Terms (Up To) 75 mos. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74% Sep 25, 20265.99%▲ from 5.74% Sep 14, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Used Vehicle 2019 - 2022 Loan	-	-	5.99%	Up to 48 months
Details As Low As; Vehicle loan Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74% Sep 25, 20265.99%▲ from 5.74% Sep 14, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Used Vehicle 2019 - 2022 Loan	-	-	6.24%	Up to 66 months
Details As Low As; Vehicle loan Last Updated 10/12/2026 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 Vehicle 2023 - Newer Loan	-	-	6.49%	84 months
Details As Low As; Terms (Up To) 84 mos.; minimum amount for terms over 75 months is $25,000 Last Updated 10/12/2026 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%
Used Vehicle 2019 - 2022 Loan	-	-	6.49%	Up to 75 months
Details As Low As; Vehicle loan Last Updated 10/12/2026 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%
Used Vehicle 2019 - 2022 Loan	-	-	6.99%	Up to 84 months
Details As Low As; Vehicle loan; Minimum amount $25,000 for terms over 75 months Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 6.74% → 6.99% ▲ 0.25 pts · high 6.99% / low 6.74% Sep 25, 20266.99%▲ from 6.74% Sep 14, 20266.74%first recorded 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 Last Updated 10/12/2026 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 Last Updated 10/12/2026 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 Last Updated 10/12/2026 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%	48 months
Details Minimum amount for terms over 75 months is $25,000; As Low As; Monthly payment per $1,000: $23.60 Last Updated 10/12/2026 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%	66 months
Details Minimum amount for terms over 75 months is $25,000; As Low As; Monthly payment per $1,000: $18.06 Last Updated 10/12/2026 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%	75 months
Details Minimum amount for terms over 75 months is $25,000; As Low As; Monthly payment per $1,000: $16.38 Last Updated 10/12/2026 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 Loan	-	6.74%	Up to 66 months
Details As Low As; minimum amount for terms over 75 months is $25,000 Last Updated 10/12/2026 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%
Used Motorcycle 2019 - 2022 - 48 Months Loan	-	6.74%	Up to 48 months
Details As Low As; Monthly Payment per $1,000: $23.83; Minimum amount for terms over 75 months is $25,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Recreational Vehicles (excluding ATV/UTV/Cycle) 2019 - Newer Loan	-	6.99%	Up to 75 months
Details As Low As; minimum amount for terms over 75 months is $25,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 6.74% → 6.99% ▲ 0.25 pts · high 6.99% / low 6.74% Sep 25, 20266.99%▲ from 6.74% Sep 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Used Motorcycle 2019 - 2022 - 66 Months Loan	-	6.99%	Up to 66 months
Details As Low As; Monthly Payment per $1,000: $18.29; Minimum amount for terms over 75 months is $25,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Used Motorcycle 2019 - 2022 - 75 Months Loan	-	7.24%	Up to 75 months
Details As Low As; Monthly Payment per $1,000: $16.62; Minimum amount for terms over 75 months is $25,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Recreational Vehicles (excluding ATV/UTV/Cycle) 2019 - Newer Loan	-	7.49%	Up to 84 months
Details As Low As; minimum amount for terms over 75 months is $25,000 Last Updated 10/12/2026 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%
Recreational Vehicles (excluding ATV/UTV/Cycle) 2019 - Newer Loan	-	7.74%	Up to 120 months
Details As Low As; minimum amount for terms over 75 months is $25,000 Last Updated 10/12/2026 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%
Recreational Vehicles (excluding ATV/UTV/Cycle) 2019 - Newer Loan	-	7.99%	Up to 180 months
Details As Low As; minimum amount for terms over 75 months is $25,000 Last Updated 10/12/2026 Rate History 1 change since Sep 17, 2026 · 7.74% → 7.99% ▲ 0.25 pts · high 7.99% / low 7.74% Sep 25, 20267.99%▲ from 7.74% Sep 17, 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: Prime plus 4.5% changes quarterly; annual percentage rate may vary Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 11.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Visa Classic	-	13.25%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 13.25% APR · checked 7 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; Debt Protection is available; Check out our rates Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Signature/Personal Loan	7.99%	12 months
Details As Low As; Fixed-Rate Loans; Terms (Up To) 12 mos. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Signature/Personal Loan	8.99%	24 months
Details As Low As; Fixed-Rate Loans; Terms (Up To) 24 mos. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Signature/Personal Loan	9.99%	36 months
Details As Low As; Fixed-Rate Loans; Terms (Up To) 36 mos. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Signature/Personal Loan	10.74%	48 months
Details As Low As; Fixed-Rate Loans; Terms (Up To) 48 mos. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 10.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Signature/Personal Loan	10.99%	60 months
Details As Low As; Fixed-Rate Loans; Terms (Up To) 60 mos. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 8 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%	Up to 48 months
Details As Low As; Monthly Payment per $1,000: $24.17; Minimum amount for terms over 75 months is $25,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
New Motorsport 2023 - Newer Loan	-	-	7.74%	Up to 66 months
Details As Low As; Monthly Payment per $1,000: $18.65; Minimum amount for terms over 75 months is $25,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
New Motorsport 2023 - Newer Loan	-	-	7.99%	Up to 75 months
Details As Low As; Monthly Payment per $1,000: $16.98; Minimum amount for terms over 75 months is $25,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.99% APR 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; Minimum amount for terms over 75 months is $25,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.99% APR 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; Minimum amount for terms over 75 months is $25,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.24% APR 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; Minimum amount for terms over 75 months is $25,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
APEX Cash	2.96%	-	3.00%
Details Qualifications Required; Balance: Up to $10,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
APEX Saver	-	-	0.75%
Details Qualifications Required; Balance up to $50,000.00; Earns .20% APY on balances over $50,000; Plus base rate if qualifications not met Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.80%
Business Checking	-	-	0.10%
Min Balance $5,000 Details Monthly dividends on average daily balances of $5,000 or more; No monthly maintenance fees; Free starter checks plus up to $25 toward first purchase of First Heritage checks Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 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.
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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

Q2 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 Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About First Heritage Federal Credit Union

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.

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%
MMA1.26%

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

Compare to Other Credit Unions

First Heritage Federal Credit Union Rates & Review October 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 Money Market Rates

First Heritage Federal Credit Union Business Checking Rates

First Heritage Federal Credit Union Mortgage Rates

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

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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

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?

Current First Heritage Federal Credit Union Rates

Compare to Other Credit Unions