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First Heritage Credit Union

Overview
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First Heritage Credit Union is a federal credit union based in Painted Post, New York. It has been opened since 1954, for 66 years.

With around $468,660,000 in assets, First Heritage Credit Union is considered to be a very large credit union. It has 9 branches and 11 ATM locations.

About
Address 110 Village Square
Painted Post, New York 14870
Website http://www.fhfcu.org
Phone (607) 936-4667
Fax (607) 936-3808
CEO Thomas J. Pisano
President of the Board Robert Blair
Services Offered
Map
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Score Card
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66 years
Years in business
Opened in 1954
Well Capitalized
Net worth classification
Source: NCUA
39,593 members
Membership type: Community credit union
Above average number of members
349:1
Credit union member to staff ratio
349 per each FTE employee
Compared to 411:1 nationally
Average number of staff
$468,660,673
Total assets
Above average
9 branches
Compared with an average of 4 nationally and 3 in New York
Above average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
11.50%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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9 branches
Compared with an average of 4 nationally and 3 in New York
Above average number of branches
First Heritage Credit Union Branch Locations

First Heritage Credit Union: Horseheads
501 Gardner Road
Horseheads, New York 14845
ATM Available
First Heritage Credit Union: Addison
11 Steuben Street
Addison, New York 14801
ATM Available
First Heritage Credit Union: Elmira Heights
218 Prescott Avenue
Elmira Heights, New York 14903
ATM Available
First Heritage Credit Union: Southport
1707 Cedar Street
Elmira, New York 14904
ATM Available
First Heritage Credit Union: Wellsboro
17 East Avenue
Wellsboro, Pennsylvania 16901
ATM Available
First Heritage Credit Union: Corning
23 W. Market Street
Corning, New York 14830
No ATM
First Heritage Credit Union: Hornell
167 Seneca Street
Hornell, New York 14843
ATM Available
First Heritage Credit Union: Call Center
166 Village Square
Painted Post, New York 14870
No ATM
First Heritage Credit Union: Main Office
110 Village Square
Painted Post, New York 14870
ATM Available
First Heritage Credit Union: Mansfield Office
1550 S. Main Street Suite 1
Mansfield, Pennsylvania 16933
ATM Available
Members
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39,593 members
Membership type: Community credit union
Above average number of members

With 39,593 members, the First Heritage Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 89% of credit unions.

Fees
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$53
Average fee per member
The average fee per member at the First Heritage Credit Union is $53, which is comparable to most credit unions. This rate is lower than 46% of all credit unions.
Fees are average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the First Heritage Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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349:1
Credit union member to staff ratio
349 per each FTE employee
Compared to 411:1 nationally
Average number of staff
114 staff members
FTE (full-time equivalent)
1% of employees are part-time
113 full-time, 1 part-time

First Heritage Credit Union has 113 full-time staff members and 1 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 99% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. First Heritage Credit Union has around 349 members per staff, an average ratio compared to other credit unions. This is a somewhat well staffed credit union.

Assets
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$468,660,673
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
11.6%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$13,911
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 75% of credit unions.

First Heritage Credit Union holds a total of $312,880,000 in loans and leases, which is about $13,911 per member on average.

Savings interest rate
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0.10%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. First Heritage Credit Union pays 0.10%.

Loan rates
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11.50%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
8.49%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
5.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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3.99%
New car loan rate
Compared to 4.0% nationally
3.99%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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4.74%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.75%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
5.00%
Other real estate loan rates
Compared to 0.9% nationally
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