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A credit union is a non-profit money cooperative whose members can borrow from pooled deposits at low interest rates. Members are the owners.
Credit Union depositors are members and each member is an owner of the credit union. Banks’ depositors are customers and have no ownership interest. Banks are owned by investors.

Since credit union members are owners, each member, regardless of how much money they have on deposit, has one vote in electing a board of directors and members can run for election to the board. Banks are owned and controlled by stockholders. Customers don’t have voting rights, cannot be elected to the board and have no say in how the bank is operated.
A credit union’s board of directors is comprised of volunteers and a banks’ board members are paid.
Anyone who lives, works, worships or attends 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.*
*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.
Becoming a member is easy. You can stop in any branch office or you can open an account online. Or Schedule an appointment today! All you need is a minimum of $5.00 to open your Share Savings account.
We offer a wide range of products and services to meet your needs. We offer savings accounts, club accounts, share draft checking accounts, share certificates, IRA’s, specialized club accounts for kids, auto loans, personal loans, home equity loans, mortgage loans, online banking and so much more.
222 381 882
Yes, your funds are insured up to $250,000 by the National Credit Union Share Insurance Fund. There are many ways to increase your amount of coverage. Visit for more information.
Yes, our members have several notary publics at almost every branch location and there is no charge for this service. 
For a current listing of our hours and locations visit our Locations page
We currently offer coin machines at our Corning, Elmira Heights and Mansfield branch locations at no charge for members.
View our wire instructions or stop by any office to obtain a wire transfer request form.
ACH direct deposits take 1-3 business days, from the day it is sent, to post to your account.
Yes, please read our Medallion Signature Guarantee guidelines for complete details. If you are in need of a Medallion Stamp Guarantee, Schedule an Appointment today.

Digital Banking

SSL and Firewalls
Digital banking is accessed through a Secure Socket Layer (or SSL). This means all data transmitted to or from First Heritage’s computer systems are encrypted and use the most sophisticated security available. Several firewalls exist to prevent unauthorized access to the system to ensure your information is accessible only by using a correct Username/ID and Password.

Username/ID and Password
It is very important that only you know your Username/ID and Password. This is the only way your account may be accessed. Three (3) unsuccessful attempts will lock out a user from accessing their account. If a user becomes locked out, you may use the "Forgot Password" feature to unlock your account and reset your password or call one of our member service representatives for security purposes.

Automatic Log Off
After a ten minute period of inactivity, the system will automatically log you off and force you to re-enter your Username/ID and Password.

Transaction Monitoring
First Heritage contracts a third party to perform transaction monitoring. Transaction Monitoring is an online risk management system specifically designed to optimize fraud investigation resources by identifying high-risk online activities in real time. Transaction Monitoring detects, analyzes, and scores each online activity and also uses information collected from its Fraud Network (a cross-organization, cross-application, cross-border online fraud network) to identify fraudulent activities.

Multifactor Authentication
For transactions that do not pass the transparent authentication layer, or are deemed “high risk,” by transaction monitoring, users must clear an additional authentication method. First Heritage uses multifactor authentication where the member will receive a one time passcode to a registered device.

You will then be able to select how you want your password reset link, either via email or the phone number that is on file. After that, you should receive an email or text message with a link to reset your password. If you have any trouble with this process, please call us at 800.833.3338.

Yes, we can set-up multiple accounts under one login. You will need to fill out an Alternate Account Access Form which you can access by stopping into any branch or by calling us at 800.833.3338
You can transfer funds to any other First Heritage member online by clicking on “Transfers” and then “Make a Transfer”. You will need the account number of the person you are transferring to. If you do not know the account number of the person you are transferring funds to you can use our Person to Person (P2P) payment feature within online bill payment. Our Person to Person (P2P) payment feature can be used to send funds electronically to anyone at any financial institution.
Absolutely! Our FI to FI transfer feature is free and allows you to transfer funds to and from an account you have at another financial institution. 

Login to your online or mobile banking and click on settings from the full menu.
  • Check your balance
  • Transaction history
  • Transfer funds
  • Free Bill Pay
  • eStatements
  • Online Financial Management
  • Alerts
  • Access check images
  • Online loan applications
  • Deposit Now through our mobile app
  • Open a new share ...and so much more
From your smartphone, navigate to your app store and search for First Heritage Federal Credit Union. Click on install and that’s it.
Android Users
Apple Users


Yes, we have a complete line of coverage designed to keep your vehicle on the road. There are three types of coverage to choose from depending upon your coverage needs. All plans are through Route 66 and come with rental car allowance, 24/7 emergency roadside service, no deductible, nationwide coverage, 30 day money back guarantee, and are transferable.
GAP is a non-insurance product, used to help fill the gap between what your vehicle insurance will pay and what you owe on your loan if your vehicle is totaled. It can be purchased to cover automobiles, light trucks, motorcycles, boats, travel trailers, etc.
You can apply for a loan by calling 888-936-8402, by stopping in any branch or using our convenient online application center. Or Schedule an Appointment today.
It generally takes one business day or less to find out if your request was approved.
We offer many types of business loans. Please contact one of our business specialists at 800.833.3338 for more information. Or Schedule an Appointment today!
Debt Protection plan options will cover all or part of your obligation to repay a loan due to specified events, such as death, disability or involuntary unemployment.


You should contact us immediately if your card is lost or stolen. You can report your card lost or stolen 24 hours a day at JHA Hot Card Center™ by calling 1.888.297.3416 (within U.S.) or 206.389.5200 (outside U.S.) and you can block your card within our online or mobile banking app.
You should always select “credit.” The amount of the purchase will be deducted from your checking account and your purchase will be protected under Visa regulations.
You can use our transfer feature to transfer funds from another financial institution to your account with First Heritage. Funds will be deposited into your savings or checking account and you can then transfer the funds to your Visa. Or if you prefer, we can have those funds automatically transferred to your Visa once they have been deposited. Contact us at 800.833.3338 to have an automatic transfer established.
Yes, we can set up an automatic transfer to your Visa in a variety of ways to best suit your needs. Just give us a call at 800.833.3338 and we would be happy to take care of that for you.
Our Visa debit/credit cards are accepted anywhere Visa is accepted. Please note, Visa assesses a small fee of 1% of the transaction amount for international purchases. We recommend updating your travel notices in the First Heritage app or contacting us and we would be happy to help.
If you notice fraudulent transactions please contact us immediately at 800.833.3338.  You can also immediately turn your card off by logging into digital banking. Or Schedule an Appointment today!