Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.
A young woman sits in the grass with her small dog.
Ask for free kasasa checking. Hey, that really adds up! 2.50% APY. Learn More



First Heritage serves the following community field of membership: Persons who live, work, worship or attend school in the three county community, comprised of Steuben and Chemung Counties, New York and Tioga County, Pennsylvania, as well as their immediate family members.*
If you do not fall within one of these specific membership categories, you may send us an e-mail at or contact us at 607.936.4667 or 800.833.3338 and we will assist you with determining your membership eligibility.

Why should you join us?

While First Heritage offers convenient services and great rates all rolled together with outstanding member service, those features aren't the only reason you should join. First Heritage is actively involved within the communities that we serve. We are proud to be a part of your community, from parades to packing backpacks for the Food Bank of The Southern Tier's Backpack Program and all events in between!
Joining FHFCU is easy and can be done from the comfort of your home. We offer many convenient services that make banking from home easy, convenient and above all, secure. Open your account today!
convenient services 
We understand you are living a fast paced lifestyle and that it is important for you to maintain your finances quickly, easily, and on your time. For this reason we are proud to offer convenient products and services such as;

Better Rates 
Our rates are the best around! Whether your looking to borrow or save, you can count on First Heritage to have competitive rates. We review our mortgage rates daily to ensure we are better than comparable to other local financial institutions. 

A recent membership survey indicated that our membership uses First Heritage for the majority of their business and they would recommend us to their friends and family. This survey also indicated that more than 96% were satisfied or very satisfied with the service they receive from First Heritage. We have been rated 4.8 out of 5 on social media with a majority of our membership verifying the ease of doing business with us. 

community involvement 
First Heritage is dedicated to the communities we serve. Our employees donate countless hours of time to local non-profit organizations and we sponsor many community events. 
First Heritage was the proud recipient of the VIVA's, Very Important Volunteer Awards, for Excellence in Collaboration by the Food Bank of the Southern Tier. This award is presented to an influential group whose contributions and partnership with the Food Bank have resulted in a greater collective impact than one organization could achieve on its own.
Part of this award is due to our successful Drive Away Hunger campaign. We partner with local dealerships to raise funds and, in turn, feed our local community. In 2018, the campaign raised over $11,000 which provided more than 33,000 meals to families in need.
Financial education is also an ongoing commitment for First Heritage. We regularly teach financial literacy classes and offer seminars on topics such as, home buying, wills & trusts, retirement, and more. We also realize how important financial education is for today's youth and we spend hundreds of hours each year in the classroom teaching basic financial education to students k-12 as well as donating books to local schools. 

joining our credit union is easy 

You can start accessing these valuable member benefits by stopping into your local branch or applying online. Once your account is opened you become a First Heritage owner, as well as a member. The best part is you only need to maintain a minimum of $5.00 in your Share Savings account!


Open Your Account Now 

Don't wait to begin enjoying all the benefits of credit union membership. You can open your account quickly and easily.

*Immediate family member is defined as spouse, sibling, children, parent, grandparent, or grandchild. For our membership purposes, immediate family member includes stepparent, stepchildren, stepsiblings, and adoptive relationships in this definition.
Household is defined as persons living in the same residence maintaining a single economic unit. Membership eligibility is extended only to individuals who are members of an immediate family or household of an eligible credit union member.
Remember, it is not necessary for the primary eligible member to join the Credit Union in order for the immediate family member to join.