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Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
HERITAGE VALLEY Rates & Review September 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 and Verified: September 22, 2026
HERITAGE VALLEY's 12 Month CD rates are at 3.80%, 12 Month CD rates are at 3.75%, 18 Month CD rates are at 3.60%, 18 Month CD rates are at 3.55%, 24 Month CD rates are at 3.40%. HERITAGE VALLEY's money market rates are at 1.40%. HERITAGE VALLEY's Personal Loan Rates are as low as 10.24%. HERITAGE VALLEY's Credit Card Rates are at 10.90%. MonitorBankRates evaluates the financial stability of HERITAGE VALLEY with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.63%. Rates last updated and verified on 09/22/2026. HERITAGE VALLEY 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 HERITAGE VALLEY? Share your experience about HERITAGE VALLEY by leaving a review below, or read customer reviews before you decide to use HERITAGE VALLEY. HERITAGE VALLEY
Pleasant Valley Road Office 2400 Pleasant Valley Rd
http://heritagevalleyfcu.org York, PA 17402-9624 
HERITAGE VALLEY CD Rates
HERITAGE VALLEY Money Market Rates
HERITAGE VALLEY Home Equity & HELOC
HERITAGE VALLEY Auto Loan Rates
HERITAGE VALLEY RV, Boat and Powersport Loan Rates
HERITAGE VALLEY Student Loan Rates
HERITAGE VALLEY Credit Card Rates
HERITAGE VALLEY Personal Loan Rates
HERITAGE VALLEY Other Rates
Financial Health HistoryHERITAGE VALLEY’s Texas Ratio rose from 1.03% in Q2 2023 to 7.63% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for HERITAGE VALLEY 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 HERITAGE VALLEY 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 HERITAGE VALLEY's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
HERITAGE VALLEY
Website
http://heritagevalleyfcu.org
Address
2400 Pleasant Valley Rd,
York, PA 17402-9624
Phone
717-840-4981
Fax
717-840-4982
President
Kathleen Neff
CEO
Michael Gutshall
Full-Time Employees
26
Part-Time Employees
3
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.63%
Return on Assets (ROA)
0.1221%
Return on Equity (ROE)
1.6162%
Non-Performing Loans Ratio (NPL)
1.27%
Total Assets
132,250,111
Total Amount of Shares and Deposits
125,040,885
Total Shares and Deposits < 1 Year
123,123,718
Total Shares and Deposits 1 3 Years
1,755,570
Total Shares and Deposits > 3 Years
161,597
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,289,246
Total Uninsured Shares and Deposits > $250K (F+J)
7,289,246
Total Insured Shares and Deposits > $250K (item 17 less item K)
117,751,639
Total Interest Expense (Sum of items 6 8)
332,765
Share Certificates
1,149
Number of Accounts for Share Drafts
7,087
IRA KEOGH Accounts
524
Number of Accounts for Regular Shares
14,349
All other shares
708
Money Market Shares
356
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)
5,008,006
Total Liabilities
123,895,892
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for HERITAGE VALLEY yet. Feel free to create one below.
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Add Your Rating and Review for HERITAGE VALLEY
Frequently Asked Questions About HERITAGE VALLEYHow many branches does HERITAGE VALLEY operate?HERITAGE VALLEY 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 HERITAGE VALLEY?Yes, to access services at HERITAGE VALLEY, 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, HERITAGE VALLEY 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, HERITAGE VALLEY provides members with tools to manage their accounts and build a solid financial history. Does HERITAGE VALLEY offer online and mobile banking?Most modern institutions like HERITAGE VALLEY 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: http://heritagevalleyfcu.org. Current HERITAGE VALLEY Rates
Retrieved from our database of financial products. Rates subject to change.
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