First Heritage Federal Credit Union risk score

First Heritage Federal Credit Union, established in 1954, is a member-centric, not-for-profit financial institution that diligently upholds a “people helping people” philosophy. As a community-chartered credit union, First Heritage proudly offers a full range of financial services, including banking, loans, insurance, mobile payments, and mortgage services, all tailored to enhance the financial wellbeing of its members across various communities.

Originally founded as Ingersoll-Rand Employees Federal Credit Union, the organization underwent several transformations, becoming IR-Erwin Federal Credit Union in 1974 and finally rebranding to First Heritage Federal Credit Union in 1984. In 2001, it expanded its reach by gaining a community charter. Today, First Heritage serves a diverse member base of over 30,000 at multiple branches located in Addison, Corning, Elmira, Elmira Heights, Horseheads, Mansfield, Painted Post, and Wellsboro. The credit union welcomes anyone who resides, works, worships, attends school, or maintains a business within Chemung or Steuben Counties in New York, or Tioga County in Pennsylvania.

Distinct from for-profit financial institutions, First Heritage is committed to returning operational income to its members through competitive interest rates and reduced fees, reinforcing its foundational commitment to member benefit and community support. The organization's approach ensures that personal financial and community enrichment goals align seamlessly, showcasing a solid commitment to delivering superior service and exceptional value.

Their continuous evolution reflects a dedication to inclusivity and service expansion, allowing them to adapt to the changing needs of their members while maintaining crucial financial support and community development. First Heritage Federal Credit Union remains a stalwart ally to its members, championing the cooperative spirit of mutual benefit and financial security.