
What are your savings goals?
At First Heritage Federal Credit Union we realize that everyone’s financial needs are different, which is why we offer a variety of personal savings accounts to meet those needs. Choose from our most basic account, one that earns high interest, vacation or holiday accounts, or even a savings account designed for kids!
Whether you’re saving for your next vacation, home repairs, or your child’s college education you’ll be able to find an account that works for you. Choose an account based on your specific goals or click on any account above to learn more.
Why Open a Credit Union Savings Account?
First Heritage Federal Credit Union is a local organization, and we pride ourselves on the member service, benefits, and competitive interest rates we offer our members. Joining is easy! If you live, work, worship or attend school in the eleven county community, comprised of the Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, and Yates counties of New York, and the Bradford, Lycoming, Potter, and Tioga counties of Pennsylvania, as well as their immediate family members.*
Start your membership with a Share Savings account. By doing so, you become a First Heritage owner as well as a member, and you’ll be able to enjoy all the benefits offered only to First Heritage members. You can use this savings account for any type of savings, whether you want to save for something short-term or you want to use it as your main account. Once you become a member, you can explore our other savings account options. We see our members as individuals—not numbers—and we know that everyone has a different financial story.*Account Features
- Digital banking to help you manage your money anytime, anywhere
- Direct deposit makes saving easy
- Member shares insured by the National Credit Union Administration

Prime Share Savings Accounts
- Minimum deposit to open: $5
- Minimum daily balance to earn dividends: $100
- Dividends are earned daily and compounded monthly
- NCUA Insured: $250,000
- Every member receives $1,000 in Accidental Death and Dismemberment Insurance.
Get your no-cost coverage.

APY:
0.15 %
APEX Saver
Free Apex Saver is a simple way to save because it pays higher dividends on your balance!
Qualifying for your Apex Cash or Apex Cash Back rewards automatically qualifies you for the highest Apex Saver rate, too. Earn 0.75% APY* on balances up to $50,000 and .20% APY* on balances over $50,000. Enrollments must be in place and all of the following transactions and activities must post and settle to your Apex Cash or Apex Cash Back Checking Account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH or transaction or bill payment
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
And if you don’t meet these qualifications, don’t worry — your accounts are still free.
Plus, you’ll still earn our base rate on APEX Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.
*APY = Annual Percentage Yield.

APY*:
0.75 %
Money Manager
- Minimum deposit to open: $0
- Minimum daily balance to earn dividends: $2,500
- Dividends are earned daily and compounded monthly
- NCUA Insured: $250,000

APY
up to:
1.26 %
Share Certificates
- Minimum amount to open $1,000
- Dividends are earned daily and credited monthly
Vacation Club Savings
There are a few times every year when you’ll probably need extra cash. A Vacation Club is the perfect way to help you save for those occasions. Make deposits when you have extra cash or set up your account for automatic deposits to make saving effortless.
Transaction Limitations: 6 Electronic Transfers/Withdrawals per month.

APY:
0.10%
Holiday Club
A Holiday Club is the perfect way to set aside extra cash all year for holiday expenses. Make deposits when you have extra cash or set up your account for automatic deposits from your payroll.
Transaction Limitations: No Withdrawals. Balance transferred to the prime share on Oct 1st.

APY:
0.10%
SCORE Youth Account
With SCORE you will gain the skills to become a financial champion while earning cash rewards each month you qualify. There are no monthly fees. Qualifications are simple and will help you learn to manage your account and create lifelong banking habits.
Accounts available:
- SAVE- Your main savings account.
- SPEND- This account is used for your everyday spending and comes with your very own Spend card* to make purchases easily.
- GIVE -This account can be used to encourage charitable donations to groups or organizations that are important to you.
- GOAL-This account is a long term savings account that earns dividends/interest, also called a CD or share certificate. You can utilize this account when you have a savings goal and can commit to keeping the funds in the certificate for the length of time you select. The minimum opening deposit is $100 and deposits of $25 or more can be made at anytime. Funds are locked in for the length of the Goal account. The longer the term, the higher the interest rate earned. If the funds are withdrawn early, a penalty will be imposed for early withdrawals. Goal certificate lengths are as follows; 3, 6, 12, 18, 24 or 36 months. View current rates.
