Home- First Heritage Federal Credit Union

Cash Back or High Dividends

Earn more with an APEX Rewards Checking Account!

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Swipe into the Holidays

Each debit card transaction enters you in a chance to win $1,000.

Official Sweepstakes Rules

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Earn 4.34% APY* for 6 Months

Grow your savings this year with a certificate from First Heritage.

Certificate Spotlight

*APY = Annual Percentage Yield

Fraud Protection Tips

At First Heritage we prioritize your financial security, and we want to help you stay safe online with some helpful tips.

Protect Yourself

Thank you for voting us the Best of the Twin Tiers for three years in a row. We're honored to serve our community!
Hear from our members.

Rates that are worth showcasing

See more of our great rates!

*Annual Percentage Rate
**Annual Percentage Yield

1.99%

12 month introductory APR*

3.00%

APY**

3.00%

CASHBACK

4.34%

APY**

2025 Scholarships

First Heritage is participating in the New York Credit Union Association’s statewide college scholarship program, where we will be offering three $1,000 scholarships for college-bound students.

Learn More and Apply

Gift of giving

As the holiday season approaches, join us in bringing smiles to children in need by donating new, unwrapped toys to our Gift of Giving Toy Drive.

Drop-off Locations

Financial education to keep you moving forward.

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Short interactive courses tailored to fit your goals

Managing your finances can be overwhelming. Having some basic financial knowledge can help make the experience easier. Our short interactive learning modules will help you build the foundation you need for long-term financial success.

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