Credit union · NCUA insured
Parks Heritage Federal Credit Union
Top CarrotA $41.9M credit union headquartered in Glens Falls, NY, with 3,695 members and 1 branch in New York. Best rates: CDs 4.00% and savings 1.90% APY.
Parks Heritage Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 92% of U.S. banks and credit unions
#1 of 8 in Glens Falls, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Parks Heritage Federal Credit Union
Established in 1965 as Glens Falls Hospital Employees Federal Credit Union, the member-owned financial cooperative was later renamed Parks Heritage Federal Credit Union in 2006.
Headquartered in Glens Falls, New York, Parks Heritage serves communities across Warren, Washington, Saratoga, Essex, and Hamilton counties.
- Headquarters
- 5 Murray St, Glens Falls, NY 12801
- NCUA charter
- 16933
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Eligibility is open to anyone who lives, works, worships, or attends school in Warren, Washington, Saratoga, Essex, or Hamilton counties of upstate New York.
Branches
1 branch in New York
Loading map…
New York
1 branch
- Parks Heritage Federal Credit UnionMain office5 Murray St, Glens Falls, NY 12801Directions
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 | 16.62% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.28% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.18% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $66 | $59 | — |
- CapitalNet worth ratio16.62%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.28%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.18%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$66Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Parks 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.