Heritage Financial Credit Union
Heritage Financial Credit Union is a NCUA insured credit union
headquartered at 25 Rykowski Lane, Middletown, NY 10941.
It was founded in 1940 and has approximately
$790 million in assets. Customers can open an account at one of its
0 branches.
Deposit Rates - January 25, 2026
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
Savings
|
0.01% | $2,500 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.25% | $10,000 | Compare |
|
6 Mo CD
|
0.35% | $100,000 | Compare |
|
12 Mo CD
|
0.40% | $10,000 | Compare |
|
12 Mo CD
|
0.50% | $100,000 | Compare |
|
24 Mo CD
|
0.60% | $10,000 | Compare |
|
24 Mo CD
|
0.70% | $100,000 | Compare |
|
36 Mo CD
|
0.80% | $10,000 | Compare |
|
36 Mo CD
|
0.90% | $100,000 | Compare |
|
48 Mo CD
|
0.90% | $10,000 | Compare |
|
48 Mo CD
|
1.00% | $100,000 | Compare |
|
60 Mo CD
|
1.00% | $10,000 | Compare |
|
60 Mo CD
|
1.10% | $100,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.05% | $2,500 | Compare |
|
Money Market
|
0.05% | $10,000 | Compare |
|
Money Market
|
0.05% | $25,000 | Compare |
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NMLS ID: 449104 / Updated 2025-12-22Intro APR: 5.990 %
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Intro Period: 12 months
$25,000 - Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Featured 30-Year Fixed Mortgage Rates
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NMLS ID: 4018220.000% $0 Fees & Points $0 Total
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$0 Fees - Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Overview 2026
General Credit Union Information
| NCUA Insured | Yes / State-Chartered |
| Charter Number | # 68711 |
| Date Established | 1940 |
| Assets | $789.57 million |
| Loans | $668.88 million |
| Deposits | $621.69 million |
| Capital | $80.39 million |
Customer Reviews for Heritage Financial Credit Union
Branches
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Your current location is: New York City, NY
Heritage Financial Credit Union Locations
Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only."
- 1LOCAL SAVINGSCredit UnionNEW YORK$50,000N.A.0.01%0.04x (National Avg. - 0.23%)$2,500-SCENARIO
Year Rate
0.01%Annual
InterestAnnual Interest
(After Tax)1 50,000 5 4 2 50,005 5 4 3 50,010 5 4 4 50,015 5 4 5 50,020 5 4 6 50,025 5 4 7 50,030 5 4 8 50,035 5 4 9 50,040 5 4 10 50,045 5 4 11 50,050 5 4 12 50,055 5 4 13 50,060 5 4 14 50,065 5 4 15 50,070 5 4 16 50,075 5 4 17 50,080 5 4 18 50,085 5 4 19 50,090 5 4 20 50,095 5 4 TOTAL $100 $70 - 2ONLINE SAVINGSBank-$50,000N.A.3.75%16.67x (National Avg. - 0.23%)$1,000-SCENARIO
Year Rate
3.75%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,875 1,313 2 51,875 1,945 1,362 3 53,820 2,018 1,413 4 55,839 2,094 1,466 5 57,933 2,172 1,521 6 60,105 2,254 1,578 7 62,359 2,338 1,637 8 64,697 2,426 1,698 9 67,124 2,517 1,762 10 69,641 2,612 1,828 11 72,252 2,709 1,897 12 74,962 2,811 1,968 13 77,773 2,916 2,042 14 80,689 3,026 2,118 15 83,715 3,139 2,198 16 86,854 3,257 2,280 17 90,111 3,379 2,365 18 93,491 3,506 2,454 19 96,996 3,637 2,546 20 100,634 3,774 2,642 TOTAL $54,408 $38,085
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