First Heritage Federal Credit Union Rates and Review February 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.
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First Heritage Federal Credit Union's Jumbo CD 6 month rates are at 3.91%, Jumbo CD 12 month rates are at 3.85%, Jumbo CD 18 month rates are at 3.80%, Jumbo CD 24 month rates are at 3.75%, Jumbo CD 36 month rates are at 3.66%. First Heritage Federal Credit Union's savings rates are at 0.15%. First Heritage Federal Credit Union's money market rates are at 0.25%. First Heritage Federal Credit Union's Conventional Fixed Rate Mortgage 15 Year Fixed rates are at 5.38%, Conventional Fixed Rate Mortgage 15 Year Fixed with 1 Point rates are at 5.25%, Conventional Fixed Rate Mortgage 15 Year Fixed with 2 Points rates are at 5.12%, Conventional Fixed Rate Mortgage 20 Year Fixed with 2 Points rates are at 5.50%, Conventional Fixed Rate Mortgage 20 Year Fixed with 1 Point rates are at 5.62%. First Heritage Federal Credit Union's Personal Loan Rates are at 7.99%.
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 by leaving a review below, or read customer reviews before you decide to use . First Heritage Federal Credit Union Texas RatioFirst Heritage Federal Credit Union's Texas Ratio is at 2.30%, which is considered excellent. The Texas Ratio for First Heritage Federal Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that First Heritage Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
First Heritage Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, First Heritage Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
First Heritage Federal Credit Union
Coporate HQ Office and Branch 202 Denison Pkwy E
Corning, NY 14830 2813 
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 Checking Rates
First Heritage Federal Credit Union Mortgage Rates
First Heritage Federal Credit Union Home Equity & HELOC
First Heritage Federal Credit Union Credit Card Rates
First Heritage Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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 & OverviewCredit Union Name: First Heritage Federal Credit Union
Website: https://www.fhfcu.org
Full Time Employees: 145Part Time Employees: 1 President: Robert Blair CEO: Thomas Pisano Branch Locations: 9 ATM Locations: 12 Corporate Office Address:
202 Denison Pkwy E
Corning, NY 14830 2813 Phone Number: 607-936-4667 Fax Number: FinancialsTotal Assets:
787,517,551
Total Amount of Shares and Deposits:
698,654,086
Total Shares and Deposits < 1 Year:
628,254,797
Total Shares and Deposits 1 3 Years:
68,043,420
Total Shares and Deposits > 3 Years:
2,355,869
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
57,409,864
Total Uninsured Shares and Deposits > $250K (F+J):
57,409,864
Total Insured Shares and Deposits > $250K (item 17 less item K):
641,244,222
Total Interest Expense (Sum of items 6 8):
9,527,032
Share Certificates:
7,821
Number of Accounts for Share Drafts:
28,919
IRA KEOGH Accounts:
2,261
Number of Accounts for Regular Shares:
75,196
All other shares:
963
Money Market Shares:
2,584
Net Income (unless the amount is already included in Undivided Earnings):
4,610,483
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
5,803,896
Total Liabilities:
703,474,682
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About First Heritage Federal Credit UnionIs 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. Is there a first-time homebuyer program?Currently, First Heritage Federal Credit Union provides a range of mortgage and home equity products. Is First Heritage Federal Credit Union a safe place to deposit money?Yes, First Heritage Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does First Heritage Federal Credit Union offer online and mobile banking?Most modern institutions like First Heritage Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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