First Heritage Federal Credit Union

Earn more with APEX Checking!

Free checking that pays you! Your choice between cash back or high dividends. 

Scared to look at your holiday bills?

Transfer your credit card balance and get 1.99% APR* for 12 months.

Transfer Your Balance*APR = Annual Percentage Rate.
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Earn 4.36% APY* for 36 months

A First Heritage Share Certificate maximizes your earnings by locking in your rate and term.

*APY = Annual Percentage Rate

Homebuying with Confidence 

Rate Guard ensures your mortgage rate remains secure while you're searching for the perfect home.

Thank you for voting us the Best of the Twin Tiers for three years in a row. We're honored to serve our community!
Hear from our members.

Rates that are worth showcasing

*Annual Percentage Rate
**Annual Percentage Yield

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12 month introductory APR*

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Homebuyer Dream program

First Heritage wants to help you get up to a $10,000 grant through the Homebuyer Dream Program to purchase your first home in New York or Pennsylvania!

Shred Days are Back

Join us, your chance to declutter and safely destroy your documents with sensitive information.

The 4 C's: retirement seminar

Join us on Tuesday, March 12th for our upcoming seminar about the framework for successful retirement income strategies.

Financial education to keep you moving forward.

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Short interactive courses tailored to fit your goals

Managing your finances can be overwhelming. Having some basic financial knowledge can help make the experience easier. Our short interactive learning modules will help you build the foundation you need for long-term financial success.

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It's a Money thing: Financial Education video series

Through short, humorous and engaging videos, students and adults alike can learn the basics like how to build a budget, what is the difference between credit unions and banks, and more! 

Hear it straight from our loyal members.

Real Members. Real Stories.

Marshall Ferrari Mortgage Testimonial
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Mortgage Member
"I was in a tough situation and First Heritage was there for me. I couldn't recommend First Heritage enough to anyone that is looking to buy a home..."
Christina and Brian Mortgage Testimonial
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First-time Homebuyers
"It was so nice knowing that we had someone helping us and not just feeling like we had to fight for ourselves."
Jessica Mortgage Testimonial
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Home Equity & Mortgage Member
"My first impression of First Heritage is that I was impressed how easy it was to work with them.. the process was basically seamless."
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Nicole & Andrew Cleary

Owners of Little Boomer's Burrito Bar

"First Heritage was great from the beginning, that personal touch...The very first meeting, the loan officer came here while we were still doing renovations. We could tell First Heritage was special."

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Julie Henry

Executive Director, Wellsboro Chamber of Commerce

"The staff is phenomenal, they will do anything they can to help you...They made the purchase of my home seamless."

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Lisa Caracci

Habitat for Humanity

"First Heritage is a very community based organization. That model has been really important to us and has helped us build more homes and serve more families." 

Dollars and Sen$e: our financial blog just for you.

For financial education articles on topics such as retirement, saving for your child's education and much more.

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Thank you for your submission!

We will be in touch with you soon.

Still looking around?

Here's a few suggestions from our team!

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Call or message us.
We’re here to help!

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Life is better with a
FHFCU membership!

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Stop by and
say hello.

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Make a loan payment with your debit or credit card.

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Come in and
meet with us.

Community keeps us going.

FH employees at Horseheads Steamers baseball game.
Addison music in the park group 2023.
19th annual united way trike race winning team.
Dave hosting a business communications seminar.
Christine, Sheila and Zach at the Octagon fair.