Career-Focused Adults

Financial guidance for maturing adults without children

Not a Member Yet? 

Learn about the First Heritage Difference

Let’s face it- There are a TON of financial institutions out there. First Heritage is different. As a not-for-profit financial institution, we return operating income back to our members in the form of better interest and dividend rates as well as lower fees. Each member is an equal owner of the credit union. 

First Heritage makes banking simple with many convenient services that allow you to do everything right from your home, office or pretty much anywhere.  We offer mobile banking, apps for your IPhone, IPad or Android device, remote deposit service, e-statements, text banking and alerts, free Bill Payment and so much more.  Want more information about our convenience services?

If you are ready to join click here.  You only need an initial $5 deposit and BOOM you’re a member and owner.

Need more information….great.  Check out the accounts we have to offer:

            Savings Account

            Checking Accounts

            Auto Loans

            Home Loans

            VISA Debit Card

Convenience Services

Maximizing your paycheck in your 30s and 40s is a priority during this time when your income tends to rise.  You may have discretionary income for travel and hobbies, and the challenge is to find the right balance between spending and saving.  The financial decisions you make now will have the greatest impact on the lifestyle you will enjoy during retirement.  It’s important to note that people are retiring earlier and living longer, and you may need more money in the future then you think.       

In this areas you fill find several helpful articles including:


Ways to Save




Creating a Budget





Auto Buying Tips





Buying a Home

  Mortgage 101

  Mortgage Programs

  Home Buying Tips

  Home Ownership

  Benefits of Refinancing

  Mortgage Calculator

Credit Reporting

   Understanding your credit report

   How to improve your credit report

Save for Retirement

 Save for Retirement

 Retirement Calculator