Heritage Financial Credit Union Rates and Review January 2026
Compare Heritage Financial Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Heritage Financial Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityHeritage Financial Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at Heritage Financial Credit Union? Share your experience about Heritage Financial Credit Union by leaving a review below, or read customer reviews before you decide to use Heritage Financial Credit Union. Overall, Heritage Financial Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Heritage Financial Credit Union Heritage Financial CU 25 Rykowski Ln Middletown, NY 10941 4019  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonMax Cash Secure Card Visa
29.990%
Make improving your credit score4 even more rewarding with up to 5% cash back in 2 categories you choose
CLASSIC FLAT 1% CASH BACK VISA
18.000%
1% Cash Back Classic Card
Visa Platinum Preferred Starter
17.990%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate Comparison1st Line of Credit
9.900%
$0
Personal Line of Credit
7.750% - 16.750%
$0
1 - 36
Personal Loans
10.490%
$0
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have Heritage Financial Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Heritage Financial Credit Union
Website: https://heritagefcu.com
Full Time Employees: 150Part Time Employees: 7 President: Kenneth Affeldt CEO: F Thomas Cornelius Branch Locations: 14 ATM Locations: 15 Corporate Office Address:
25 Rykowski Ln
Middletown, NY 10941 4019 Phone Number: 845-561-5607 Fax Number: 845-326-1519 FinancialsTotal Assets:
789,569,277
Total Amount of Shares and Deposits:
621,691,781
Total Shares and Deposits < 1 Year:
614,208,350
Total Shares and Deposits 1 3 Years:
6,662,119
Total Shares and Deposits > 3 Years:
821,314
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
26,672,305
Total Uninsured Shares and Deposits > $250K (F+J):
61,482,105
Total Insured Shares and Deposits > $250K (item 17 less item K):
560,209,676
Total Interest Expense (Sum of items 6 8):
9,802,304
Share Certificates:
2,821
Number of Accounts for Share Drafts:
20,014
IRA KEOGH Accounts:
619
Number of Accounts for Regular Shares:
90,131
All other shares:
4,492
Non Member Deposits:
18
Money Market Shares:
1,428
Net Income (unless the amount is already included in Undivided Earnings):
2,140,126
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
22,738,656
Total Liabilities:
735,858,355
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Heritage Financial Credit UnionIs a member application needed to join Heritage Financial Credit Union?Yes, to access services at Heritage Financial Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Heritage Financial Credit Union provides a range of mortgage and home equity products. Is Heritage Financial Credit Union a safe place to deposit money?Yes, Heritage Financial Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Heritage Financial Credit Union offer online and mobile banking?Most modern institutions like Heritage Financial Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 3.00%, 6-month CD rates at 3.50% and 3-month CD rates at 3.60%. Savings rates are at 0.10% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 6.05%. Credit Card rates are at 17.04%. Personal Loan rates are at 13.74%. All these rates, and more, can be found in our database of rates which you can compare to 
