First Heritage Federal Credit Union

APEX Rewards Checking

Enjoy no monthly fees, no minimum balance and no unpleasant surprises! Choose between high dividends or cashback!
 
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Here To Help You Grow

Our friendly and knowledgeable business lending team is available to assist you with any questions you may have. 
 

Leaf Your Debt Behind

Transfer your Visa balance and get 1.99% APR* for 12 months and a chance to have your credit card balance paid off up to $5,000!**
 
*APR = Annual Percentage Rate

SCORE Up To $50!*

When you open a SCORE youth account, First Heritage will match your first deposit up to $50 into your SAVE account.
 

Thank you for voting us the Best of the Twin Tiers for four 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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18 MONTH CERTIFICATE

 

3.77%

APY**


2026 Scholarship

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

ACE Awards

First Heritage is excited to present our Quarterly Ace Award Winners! The ACE awards are given to those among us who have shown an Amazing Commitment to Excellence, by going above and beyond their standard responsibilities. 
 

 




















Hear it straight from our members.

Real Members. Real Stories
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jean

"I opened a SCORE account for my granddaughter. Every step was explained to her and questions were answered!"
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elijah

"Love FHFCU - service is always fast and friendly, and I have learned so much from the tellers"
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corrine

"The process was a breeze! The response was quick and the rate was better than expected. An all-around good experience!"









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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Life is better with a
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Stop by and
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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.