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

Transfer higher-rate balances from other cards to your new First Heritage Visa® Classic or Visa® Platinum Card.

Estimate Your Savings




Platinum Rewards   X
No annual fee X  X
No cash advance fee X X
Credit limits starting at $250 X  
Credit limits starting at $5000   X
Competitive low variable rate   9.00% APR*
Competitive low fixed rate 13.25% APR*  
25-day grace period on purchases X
Online access
E-statements available X X
Credit Life and Disability Insurance available X X
Visa's Zero liability protection X X
Auto rental insurance X X
Accident travel insurance   X
Balance transfers are available X X
24 hr/365 day fraud prevention services X X
sms Guardian™ alerts X X
Embedded with smart chip technology X X
Make secure and convenient purchase with Mobile Wallet. X X
Verified by VISA available X X
Foreign Transaction Fee: 1% of the transaction amount after it is converted to U.S. dollars. No balance transfer fees

sms Guardian™ alerts 

Sign up to receive transaction alerts via text message.  If you respond affirmatively to unauthorized activity, the information is immediately routed to a fraud analyst for card blocking and follow up, reducing the time in which subsequent unauthorized transactions could take place.

Lost or stolen Credit Card

Report a lost or stolen Visa Credit card now or call toll free 1-800-682-6075.

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 offices located in Painted Post, Elmira Heights or Wellsboro. For more information call toll free 800-833-3338.

Activate your new Credit Card

Activate your VISA credit card now, or call toll free 1-800-411-6390.

To change your PIN call 877-746-6746

*APR = Annual Percentage Rate

This credit union is federally insured by the National Credit Union Administration.