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The philosophy behind our credit cards is simple…keep interest rates low, while offering useful benefits our members want.

There are plenty of reasons to become a credit union member. Whether you’re looking for easy to use banking services, need financial planning assistance, or want to take out a loan, we’re here to help. With us, you aren’t just another number. We realize you’re an individual with unique financial needs. We take pride in the amount of benefits and choices we offer our members, including low interest credit cards.


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. When you choose to save by transferring your balances to a low-interest First Heritage Visa credit card, you will also receive a 12 month balance transfer rate of 1.99% APR* on the balances that you transfer and no balance transfer fee!

For added convenience, you can also use our calculator to get an estimation of how much you’ll save.

Estimate Your Savings

Rates accurate as of August 17, 2022

classic platinum
Platinum Rewards
No annual fee X  X
No cash advance fee X X
Credit limits starting at $250 X
Credit limits starting at $5000
Competitive low variable rate
9.25% APR*
Competitive low fixed rate 13.25% APR*
25-day grace period on purchases X
Online access
E-statements available X X
Debt Protection available X X
Visa's Zero liability protection X X
Auto rental collision damage waiver** X X
Travel accident insurance**
Balance transfers are available X X
24 hr/365 day fraud prevention services X X
Embedded with smart chip technology X X
Make secure and convenient purchases with Mobile Wallet. X X
Card Management X X
Rates are current as of the date posted above and are subject to change without notice. *Prime rate is as published in the Wall Street Journal. Foreign Transaction Fee: 1% of transaction amount after it is converted to U.S. dollars. No balance transfer fees.

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 our credit union locations in Painted Post, Elmira Heights, Horseheads, Southport, Addison, Hornell, Mansfield, and Wellsboro. For more information call toll free at 800-833-3338.

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.
  • 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 05/25/21. 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.

**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.