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Getting Started

Financial advice for young adults entering the work force

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 has grown by leaps and bounds since our inception in 1954.  We are now, one of the most technologically advanced credit unions in the area offering 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.

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

Growing up not only means saying goodbye to ramen noodles and freeloading off your parents, it also means learning how to manage expenses, understand credit and gain awareness on topics like real estate. 

Laying the right foundation as you start your career is the key to future financial success. At this Life Stage, TIME is your greatest asset. Consider that each dollar you save in your 20s can be worth ten times as much as a dollar saved in your 40s.  

During this time you have the exciting task of learning how to manage the spending and saving of your money within the constraints of your income.

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

  Mortgage Calculator

Credit  Reporting

   Understanding your credit report

   How to improve your credit report

Save for Retirement

 Save for Retirement

 Retirement Calculator