First Heritage Federal Credit Union

Cash Back or High Dividends

Earn more with an APEX Rewards Checking Account!

Swipe into the Holidays

Each debit card transaction enters you in a chance to win $1,000.

New and Used Auto Loans

Get 0% APR* and no payments for 90 days!

*Annual Percentage Rate

Fraud Protection Tips

At First Heritage we prioritize your financial security, and we want to help you stay safe online with some helpful tips.
 

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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VISA BALANCE TRANSFER

1.99%

12 month introductory APR*

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apex cash

3.00%

APY**

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apex cash back

 3.00%

CASHBACK

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6 MONTH CERTIFICATE

4.34%

APY**


Ace Awards

The ACE Award recognizes employees who exceed expectations by going above and beyond in their work. Please join us in congratulating members of our team for winning the ACE Award and going the extra mile!
 

2025 Scholarships

First Heritage is participating in the New York Credit Union Association’s statewide college scholarship program, where we will be offering three $1,000 scholarships for college-bound students.
 

Gift of giving

As the holiday season approaches, join us in bringing smiles to children in need by donating new, unwrapped toys to our Gift of Giving Toy Drive.
 

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.
















Hear it straight from our loyal members.

Real Members. Real Stories.

Robert

The Best Member Experience
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David

The Best Digital Banking
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Lorraine

More Than Just a Member









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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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.