--- title: "First Heritage Credit Union Rates & Who Can Join - New York" description: "First Heritage Credit Union is a credit union in New York. Rate data is being verified. See who can join First Heritage Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/first-heritage" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # First Heritage Credit Union Rates & Who Can Join - New York No currently verified rates are available for this institution. We hide rates that fall outside the serving freshness window instead of presenting old figures as current. First Heritage Credit Union is a credit union in New York. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/first-heritage) , verified from [First Heritage Credit Union's official website](https://www.fhfcu.org/) Loading branch locator… ## About First Heritage Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 50.9K Assets $838.4M Founded 1954 Locations reported 9 NCUA charter 9604 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial education - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Corning** Riverfront Branch · Corning · NY · 14830-2556 Branch in the same ZIP](https://rateapi.dev/credit-unions/new-york/corning) [**Servu** Corning · Corning · NY · 14830-2618 About 1.8 miles away](https://rateapi.dev/credit-unions/new-york/servu) [**Visions** Horseheads · Horseheads · NY · 14845-8135 About 9.0 miles away](https://rateapi.dev/credit-unions/new-york/visions) [**Finger Lakes Health Care** Main office · Elmira · NY · 14905-1614 About 10.3 miles away](https://rateapi.dev/credit-unions/new-york/finger-lakes-health-care) [**Empower** Elmira · Elmira · NY · 14901 About 11.4 miles away](https://rateapi.dev/credit-unions/new-york/empower) [**Solutions** main/only office · Elmira · NY · 14904-2501 About 11.7 miles away](https://rateapi.dev/credit-unions/new-york/solutions) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join First Heritage Credit Union Membership eligibility from First Heritage Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on First Heritage Credit Union's website. Check the membership page below to confirm whether you qualify. - Location allegany, chemung, livingston, schuyler, steuben, tioga, yates, bradford, lycoming, potter — NY, PA Verified from [First Heritage Credit Union's membership page](https://www.fhfcu.org/about-us/become-a-member) . Final membership determination is always made by the credit union. ## Membership rules for First Heritage Credit Union Geography 11 counties · Family 2 46 published paths to membership, last verified November 1, 2026, quoted from First Heritage Credit Union’s own published criteria. ### Geography 11 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified November 1, 2026 - Allegany County, NY - Bradford County, PA - Chemung County, NY - Livingston County, NY - Lycoming County, PA - Potter County, PA - Schuyler County, NY - Steuben County, NY - Tioga County, NY - Tioga County, PA - Yates County, NY “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Chemung County, NY; Steuben County, NY; Tioga County, PA” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 1, 2026 - Family of someone eligible immediate family “Persons who live, work, worship or attend school in the eleven county community, comprised of the Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, and Yates counties of New York, and the Bradford, Lycoming, Potter, and Tioga counties of Pennsylvania, as well as their immediate family…” > [source ↗](https://www.fhfcu.org/about-us/become-a-member) - Family member (immediate family) of an eligible person - Family of a member immediate family, household member “Membership eligibility is extended only to individuals who are members of an immediate family or household of an eligible credit union member.” > [source ↗](https://www.fhfcu.org/about-us/become-a-member) - Family member (immediate family, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for First Heritage Credit Union? Yes No ## Work at First Heritage Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where First Heritage Credit Union ranks against New York peers. - See which AI assistants fetched First Heritage Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New York - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=first-heritage&state=new-york&code=NY&name=First%20Heritage%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does First Heritage Credit Union offer? First Heritage Credit Union is a credit union in New York. Rate data is currently being verified. ### How often are First Heritage Credit Union rates updated? RateAPI verifies First Heritage Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get First Heritage Credit Union's rate data? Rate data is collected directly from First Heritage Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join First Heritage Credit Union? First Heritage Credit Union publishes its membership criteria on its own website. RateAPI tracks 46 published membership paths covering 11 counties for First Heritage Credit Union, each quoted from First Heritage Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare First Heritage Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.fhfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track First Heritage Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for First Heritage Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /first-heritage " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## First Heritage Credit Union locations Search, filter, and browse all 9 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-york/first-heritage Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp