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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 2.99% 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 2.99% 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. 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.