Credit union · NCUA insured
First Heritage Federal Credit Union CD Rates
First Heritage Federal Credit Union’s best CD rate is 4.16% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How First Heritage Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Corning, NY, where First Heritage Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Heritage Federal Credit Union
4.00%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $816
Certificate
Top rate
Chemung Canal Trust Company
4.00%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $400
3rd-highest rate
Maple City Savings Bank
3.85%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $191
First Heritage Federal Credit Union CD score
87
CD score
Higher than 77% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.95%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where First Heritage Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Certificate
Up to 4.16%APY · 8 terms
Membership eligibility required. Penalties may be imposed for early withdrawal. Dividends earned daily and credited monthly. Member forfeits dividends if account is closed before dividends accrue.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.17% | — |
| 6 months | 3.86% | — |
| 12 months | 3.91% | — |
| 18 months | 3.91% | — |
| 24 months | 4.16% | — |
| 36 months | 3.96% | — |
| 48 months | 4.00% | — |
| 60 months | 4.11% | — |
Sources (1)
- fhfcu.org/rates · captured Sep 26, 2026
Certificate
Up to 4.00%APY · 8 terms
Membership eligibility required. Penalties may be imposed for early withdrawal. Dividends earned daily and credited monthly. Member forfeits dividends if account is closed before dividends accrue.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.02% | $50 |
| 6 months | 3.70% | $183 |
| 12 months | 3.75% | $375 |
| 18 months | 3.75% | $568 |
| 24 months | 4.00% | $816 |
| 36 months | 3.80% | $1,184 |
| 48 months | 3.85% | $1,631 |
| 60 months | 3.95% | $2,137 |
Special-purpose accounts
IRA Certificate
Up to 4.00%APY · 8 terms
Available as Traditional or Roth IRA Certificate. Minimum balance of $1,000. No service or maintenance fees. For Share and IRA Share Certificates, a penalty may be imposed for early withdrawal. Fees may reduce earnings.
| Term | APY · $1,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 2.02% | 2.17% | 2.02%2.17% from $100k | $50 |
| 6 months | 3.70% | 3.86% | 3.70%3.86% from $100k | $183 |
| 12 months | 3.75% | 3.91% | 3.75%3.91% from $100k | $375 |
| 18 months | 3.75% | 3.91% | 3.75%3.91% from $100k | $568 |
| 24 months | 4.00% | 4.16% | 4.00%4.16% from $100k | $816 |
| 36 months | 3.80% | 3.96% | 3.80%3.96% from $100k | $1,184 |
| 48 months | 3.85% | 4.00% | 3.85%4.00% from $100k | $1,631 |
| 60 months | 3.95% | 4.11% | 3.95%4.11% from $100k | $2,137 |
Who can join First Heritage Federal Credit Union
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.
Membership information collected October 5, 2026.