Credit union · NCUA insured
First Heritage Federal Credit Union
A $838.4M credit union headquartered in Corning, NY, with 50,929 members and 8 branches in 2 states. Best rates: CDs 4.16% and savings 0.25% APY.
First Heritage Federal Credit Union Carrot Score
77
Carrot Score
Higher than 44% of U.S. banks and credit unions
#4 of 9 in Elmira, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About First Heritage Federal Credit Union
Headquartered in Corning, New York, First Heritage Federal Credit Union operates nine branches across eleven counties in New York and Pennsylvania.
Members become owners of First Heritage Federal Credit Union once an account is opened.
- Headquarters
- 202 Denison Pkwy E, Corning, NY 14830-2813
- NCUA charter
- 9604
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to persons who live, work, worship, or attend school in the eleven-county community comprised of Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, and Yates counties of New York, and Bradford, Lycoming, Potter, and Tioga counties of Pennsylvania.
Family and household
- Membership is open to immediate family members (spouse, sibling, children, parent, grandparent, grandchild, including stepparent, stepchildren, step-siblings, and adoptive relationships) and household members (persons living in the same residence maintaining a single economic unit) of an eligible credit union member.
Branches
8 branches in 2 states
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New York
6 branches
Corning area · 3
- Coporate HQ Office and BranchMain office202 Denison Pkwy E, Corning, NY 14830Directions
- Addison11 Steuben St, Addison, NY 14801Directions
- Hornell167 Seneca St, Hornell, NY 14843Directions
Elmira area · 3
- Southport1707 Cedar St, Elmira, NY 14904Directions
- Elmira Heights218 Prescott Ave, Elmira Heights, NY 14903Directions
- Horseheads501 Gardner Rd, Horseheads, NY 14845Directions
Pennsylvania
2 branches
Mansfield area · 1
- Mansfield Office1550 S Main St Ste 1, Mansfield, PA 16933Directions
Wellsboro area · 1
- Wellsboro17 East Ave, Wellsboro, PA 16901Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.06% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.44% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.98% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $82 | $76 | — |
- CapitalNet worth ratio11.06%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.44%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.98%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$82Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of First Heritage Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.