Home | First Heritage Federal Credit Union

Earn 4.07% APY* for 21 Months

This year grow your savings with a 21 month share certificate!

Learn More*APY = Annual Percentage Yield. Membership eligibility required.
Limited time offer. Offer may be withdrawn at any time. Federally insured by the NCUA.

Swipe into the Holidays for your chance to win $1,000!

Each debit card transaction of $5 or more earns you an entry into the drawing.

Learn More

Excited woman holding dollar bills fanned out

Earn rewards by doing the things you love!

It’s never been easier to earn rewards than with APEX Rewards Checking. See if you qualify today.

Explore APEX Checking

Best of the Twin Tiers Winner!

We are so excited to be voted and named Best Credit Union in the Twin Tiers two years in a row. We are grateful for your support and appreciate all of your votes!

See why we were voted the best!

Thank you for voting us the "Best of the Twin Tiers 2022." We're honored to serve our community!
Hear from our members.

Rates that are worth showcasing

See more of our great rates!

*Annual Percentage Rates

VISA PLATINUM

10.75%

APR*

MORTGAGE

6.07%

APR*

AUTO

5.99%

APR*

HOME EQUITY

6.24%

APR*

Making a difference.

Scholarships

Are you a college-bound high school senior and need money to attend college? We want to help!

Discover Our Scholarship Program

horse and carriage, Christmas décor in the background

Upcoming EVENTS

First Heritage is proud to be this years title sponsor for The Gaffer Districts Crystal City Christmas. Please join us in these family friendly holiday festivities.

Learn More

Now Serving 11 Counties

First Heritage is excited to announce the expansion of our field of membership into eight additional counties throughout New York and Pennsylvania. The newly expanded field of membership will enable First Heritage to be present in a total of eleven counties.

Read the Full Press Release Here

Financial education to keep you moving forward.

young woman sitting on the couch with a laptop in front of here while she writes on a piece of paper

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.

Get Started

Family in a DIY room while working on projects and looking at their tablet

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!

Learn More

Hear it straight from our loyal members.

Real Members. Real Stories.

Michele Ensminger

Owner of Be You-tiful Boutique

"There's so many different levels to First Heritage. Out of the whole entire thing (opening a business) the business loan was probably the easiest."

Keenan & Kaitlin

First-time Homeowners

"One great thing about working with First Heritage was that we knew so little but they were never afraid to help us through the whole process."

Laura & Jesse Robinson

Owners of Emerge & La Belle Auberge

"I was just surprised how easy it (PPP) was...to have that piece taken care of for us was amazing."

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."

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."

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."