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Savings Accounts

Find the perfect savings account for you!

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.

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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 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
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Prime Savings Accounts

When you open your primary savings account, you become an owner and member of the credit union and will be able to enjoy all of the benefits offered exclusively to First Heritage members.

Our Prime Savings Account may be used for practically any purpose. You can use it to save for something short-term or as your main savings account.
  • 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= Annual Percentage Yield.
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up to

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.

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up to

0.75 %

Money Market

Your savings grow faster with our money market account because you earn a higher dividend rate for a higher balance.

  • Minimum deposit to open: $0
  • Minimum daily balance to earn dividends: $2,500
  • Dividends are earned daily and compounded monthly 
  • NCUA Insured: $250,000
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up to:

1.26 %

Share Certificates

Maximize your earnings by locking in your rate and term with several terms available.
  • Minimum amount to open $1,000
  • Dividends are earned daily and credited monthly

We even have special GOAL Share Certificates available for SCORE youth account members with a lower minimum balance requirement.  Learn more.
Transaction Limitations: Early withdrawals will result in penalty.

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.

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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.

Balance transferred to the prime share on Oct 1st.

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SCORE Youth Account

SCORE skills that last a lifetime as you earn cash rewards!

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
*Joint ownership with parent or guardian required
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Educational Resources: 

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Understanding the various types of accounts available to you and the way these accounts earn interest is one great way to increase savings even further. Continue reading about Savings Accounts...
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No one wants to think about car breakdowns or job loss. But as much as we’d like to avoid thinking about them, emergencies do happen. Continue reading about Building Emergency Savings...
People discussing a graph on a computer screen


Certificates of Deposit, or CDs, are a type of financial account that is designed to hold a fixed amount of money for a fixed amount of time. In return, the financial institution that issues your CD will pay you interest. Continue reading about Certificates of Deposit...

Hear it from our members

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"I’m so pleased to have found First Heritage Federal Credit Union. I have been able to make interest on the money I worked so hard for!"

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"I was at a drive thru making a deposit when the associate says you know we could easily move some of this money to a higher interest rate savings - I can set it up now and you can transfer funds later. That kind of service at a drive thru?! Outstanding!"

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"I give you thanks and I will continue being your member no matter where I live."

*Immediate family member is defined as spouse, sibling, children, parent, grandparent, or grandchild. For our membership purposes, immediate family member includes stepparent, stepchildren, step-siblings, 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.