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Scared to look at your holiday bills?  Transfer them to First Heritage with our special VISA balance transfer.

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 2.99% APR* on the balances that you transfer!
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 February 22, 2019

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
10.00% 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 collision damage waiver** X X
Travel accident insurance**
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
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.

sms Guardian™ alerts 

Your security is important to us. Having your credit card compromised is a terrible feeling. For added security, all our credit card options come with the option of text message alerts. 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. A quick response time is the key to preventing access to any of your financial information and funds. With this service, you’ll have peace of mind that all your finances and sensitive information will remain secure.

Lost or stolen Credit Card

If you’ve lost your credit card, or it has been stolen—not to worry. You can easily report a lost or stolen Visa Credit card now or call toll free 1-800-682-6075. Reporting a lost or stolen card will keep your account safe from any unauthorized activity. 

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, 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 now, or call toll free 1-800-411-6390. To change your PIN call 877-746-6746. Our easy activation process allows you to start using your credit card right away.  


*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.

**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.