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Transfer your balance and save!

When you transfer your high-rate credit card balance to a First Heritage Visa® Classic or Visa® Platinum you could save with a 12 month introductory rate of 1.99% APR*.
Even after the introductory period, our rates remain low. Choose from our Visa Platinum card and earn rewards while enjoying 7.75% APR or our VISA Classic with a low fixed rate of 13.25% APR. 
We make transferring your balance to First Heritage easy! You can Transfer your balance for FREE and its convenient when you request a balance transfer online.
Don't have a credit card with First Heritage? No problem! You can visit any branch, call 607-936-4667 or 800-833-3338, or apply online for a low-interest credit card with no annual fee!
*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 11/01/21. 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. Membership eligibility required. Subject to approval.