First Heritage Federal Credit Union is a member-owned financial institution dedicated to serving individuals and businesses in New York’s Southern Tier and Northern Pennsylvania. Rooted in community values, First Heritage offers a full suite of financial services with a focus on personalized banking and long-term financial wellness. As a not-for-profit cooperative, it reinvests earnings to provide lower loan rates, higher savings yields, and reduced fees for its members. The credit union is known for its approachable service, innovative online and mobile banking solutions, and commitment to delivering accessible financial education and counseling.

Specializing in both personal and small business financial services, First Heritage ensures tailored products that meet the evolving needs of its members. It supports first-time homebuyers with customizable mortgage options and offers retirement planning tools to help members secure their financial futures. The credit union is actively involved in local community outreach and financial literacy initiatives, strengthening its connection with the region it serves. With several conveniently located branches and a robust digital platform, First Heritage makes member banking simple, accessible, and trustworthy.

Website: https://www.fhfcu.org/

Key Services:

– Personal and business checking and savings accounts
– Auto, personal, and home loans with competitive rates
– Mortgage lending and refinancing options
– Online and mobile banking with bill pay and mobile deposit
– Credit cards with rewards programs
– Financial education resources and counseling
– Retirement planning and investment services
– Small business banking solutions
– Member-focused insurance products
– Community outreach and financial literacy programs