Credit union · NCUA insured
Heritage Valley Federal Credit Union
Top CarrotA $132.3M credit union headquartered in York, PA, with 13,546 members and 3 branches in Pennsylvania. Best rates: CDs 3.95% and savings 0.90% APY.
Heritage Valley Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 84% of U.S. banks and credit unions
#2 of 19 in York, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Heritage Valley Federal Credit Union
Heritage Valley Federal Credit Union has served South Central Pennsylvania since 1935, covering Adams, Cumberland, Dauphin, and York counties.
The financial cooperative is member-owned, operating without stockholders so that all account holders are owners.
- Headquarters
- 2400 Pleasant Valley Rd, York, PA 17402-9624
- NCUA charter
- 303
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who lives, works, worships, or attends school in the South Central PA counties of Adams, Cumberland, Dauphin, and York is eligible for membership.
Branches
3 branches in Pennsylvania
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Pennsylvania
3 branches
- Pleasant Valley Road OfficeMain office2400 Pleasant Valley Rd, York, PA 17402Directions
- Cape Horn Road Office2420 Cape Horn Rd, York, PA 17402Directions
- Roosevelt Avenue Office1700 Roosevelt Ave, York, PA 17408Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 7.79% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.22% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.64% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $52 | $76 | — |
- CapitalNet worth ratio7.79%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.22%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.64%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$52Peers’ 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 Heritage Valley 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.