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Instant Issue Credit Cards

No annual fee, no balance transfer fee and low rates!

The philosophy behind our credit cards is simple…

Keep interest rates low and offer useful benefits.

Already have a credit card and looking to switch? No problem! You can easily transfer higher-rate balances from other cards to your new First Heritage Visa® Classic or Visa Platinum Card.

Instant Issue Service

The faster you receive your credit card, the sooner you can start utilizing our benefits! For your convenience, we offer instant issue service. The instant issue debit and credit card service offers First Heritage Federal Credit Union members the purchasing power of Visa right away. Cards are printed on demand at the following locations: Addison, Elmira Heights, Headquarters, Hornell, Horseheads, Mansfield, Southport and Wellsboro.

Activate your new Credit Card

Ready to activate your new card? It’s easy! You can activate your Visa credit card by calling JHA Card Activation & PIN Management toll free at 1-800-290-7893 (within U.S.) or 206-624-7998 (outside U.S.). Our easy activation process allows you to start using your credit card right away.

Card Management:
Card Management let's you set card controls, add restrictions and receive transaction alerts from your First Heritage mobile app or via text message.

Credit Card Fraud:
Credit cards are convenient and their usage is higher than ever. Unfortunately, this also means that fraudsters have even more access to this information. First Heritage FCU uses advanced technology to detect unusual activity on your Visa cards.

  • Keep contact information on file with First Heritage FCU current.
  • We offer 24/7 fraud protection monitoring service.
  • Notify us if traveling- If you are traveling and plan to use your Visa Credit card, remember to let us know so you can be assured that your card services won't be disrupted while you're away. You can also update your traveling notes in the First Heritage app!
  • Regularly monitor activity on all accounts.
  • Notify us if card/PIN number is lost or stolen.
  • Make an attempt to contact a merchant directly to resolve an issue.
  • Contact us to file a dispute if unable to resolve directly with the merchant.
If it is determined that your information was compromised, contact us immediately so that we may guide you to a resolution. This may include filing a police report, contacting the three major credit bureaus, filing a written dispute with First Heritage FCU, closing the account, and obtaining a new debit/credit card

*APR = Annual Percentage Rate. Balance transfer rate of 1.99% effective for 12 months. Rate will revert to a variable APR of prime +4.50% APR for VISA Platinum and 13.25% APR for VISA Classic once the promotional period has ended. Current APR for purchases and cash advances is prime +4.50% APR for VISA Platinum and 13.25% APR for VISA Classic. Rates are as of Rates accurate as of 10/01/2023. Purchases and cash advances made in foreign countries and foreign currencies will be billed to you in U.S. dollars. The foreign transaction fee is 1% of the transaction amount. Limit: two balance transfers per 12-month period. New money only.

**Certain terms, conditions, and exclusions apply. In order for coverage to apply you must use your covered card to secure transactions.
This credit union is federally insured by the National Credit Union Administration.

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"FHFCU has friendly and responsive customer service. They make themselves very accessible. You don't have to waste a lot of
time getting to a real person on the phone or in person. The rates on credit cards and interest on savings are superior."

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"We have been members since late 1960’s and have never had an unsatisfactory experience with FHFCU. That is remarkable."