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“The credit union’s customer service surpasses the conventional banks that I’ve dealt with in the past. Their rates are far better, and I like doing business with a local organization."

                           -Jeff Weaver, empire mattress store, llc

who is eligible

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.*

Joining the Credit Union is Easy

Becoming a member is easy. Your Share Savings account is your First Heritage membership account—the key that opens the door to all your valuable member benefits. By opening this account, you become a First Heritage owner, as well as a member. You must maintain a minimum of $5.00 in your Share Savings account.

If you do not fall within one of these specific membership categories, you may send us an e-mail or contact us at one of the numbers listed on our site and we will assist you with determining your membership eligibility.

Or, as a business owner, if you are interested in offering the benefits of credit union services to the employees of your company, please contact us at 607-936-4667 or 800-833-3338. Please ask for the Marketing Department. Or, you may e-mail the Marketing Department at

Warning: Email is not a secured method of communication and personal information, such as account number, date of birth and social security number should not be included in any email communications.

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 with our Online Membership Application

*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