First Heritage Federal Credit Union

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Earn 5.10% APY* for 25 Months!

Grow your savings with a Share Certificate from First Heritage.

*APY= Annual Percentage Rate
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Double your Cash Back Rewards for 6 months!

Get cash back on groceries, gas and so much more with an APEX Cash Back Checking Account!

Thank You
Twin Tiers!

Thank you for voting us Best of the Twin Tiers for three years in a row!

Rollover Your 401K

In today’s market, it’s essential to work with a Financial Advisor who can provide you insight and guidance based on an understanding of your unique situation. 

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 Rates
*Annual Percentage Yield

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12 month introductory APR*

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Community Involvement

Crystal city Christmas 

First Heritage is proud to be the event sponsor for the Crystal City Christmas for the second year in a row! Join us for the Annual Parade of Lights and Sparkle Event to kick off the holiday season.

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Financial Champions

Help your kids get started on their financial journey with First Heritage. First Heritage will visit your classrooms throughout the school year for career days, mock interviews and so much more.

are you a college-bound senior?

First Heritage is excited to be offering three $1,000 scholarships for college-bound students in addition to applicants being entered in the statewide program.

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.
Cheyenne, Lindsay and Kayleigh at Corning Harvest.
Addison music in the park group 2023.
Cheyenne and Amanda at Colonial Days.
19th annual united way trike race winning team.
Dave hosting a business communications seminar.
Christine, Sheila and Zach at the Octagon fair.
Jenny, Cheyenne and Zach at the Kickball Tournament.
Dorothy and Jeremy 2023 River Cleanup
2023 Memorial Day in Elmira Heights