Credit union · NCUA insured
First Heritage Federal Credit Union Credit Card Rates
First Heritage Federal Credit Union credit cards start at 11.50% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How First Heritage Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Elmira, NY, where First Heritage Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
First Heritage Federal Credit Union
11.50%APR
- Up to
- —
Visa Platinum
Lowest rate
Finger Lakes Health Care Federal Credit Union
9.90%APR
- Up to
- —
3rd-lowest rate
Empower Federal Credit Union
12.24%APR
- Up to
- 17.99% APR
First Heritage Federal Credit Union credit card score
75
Credit card score
Higher than 40% of U.S. banks and credit unions
- Purchase APRPurchase APR11.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Heritage Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Classic
Membership eligibility required. Credit limits start at $250. Competitive fixed rate card designed to build or repair credit. Foreign transaction fee is 1%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.25% | None | Fixed APR. Current APR for purchases and cash advances is 13.25%. Average daily balance method including new purchases. 25-day grace period for purchases. $0 cash advance fee, $0 balance transfer fee, $0 annual fee. |
| Intro, 12 months | 1.99% | None | Introductory balance transfer rate of 1.99% APR effective for 12 months. Rate will revert to 13.25% APR once promotional period has ended. No balance transfer fee. Limit four balance transfers per 12-month period. New money only. |
Sources (3)
All captured Oct 5, 2026
Visa Platinum
Membership eligibility required. Credit limits start at $5,000. Features platinum rewards, instant issue service, and travel accident insurance. Foreign transaction fee is 1%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.25% | None | Variable APR based on Prime + 4.50% (changes quarterly). Current APR for purchases and cash advances is Prime + 4.50% APR (11.25%). Average daily balance method including new purchases. 25-day grace period for purchases. $0 cash advance fee, $0 balance transfer fee, $0 annual fee. |
| Intro, 12 months | 1.99% | None | Introductory balance transfer rate of 1.99% APR effective for 12 months. Reverts to variable APR of Prime + 4.50% once the promotional period has ended. No balance transfer fee. Limit four balance transfers per 12-month period. New money only. |
Sources (4)
- fhfcu.org/rates
- fhfcu.org/borrow/credit-cards
- fhfcu.org/visa-platinum-promotions
- fhfcu.org/visa-balance-transfer
All captured Oct 5, 2026
Who can join First Heritage Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to persons who live, work, worship, or attend school in the eleven-county community comprised of Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, and Yates counties of New York, and Bradford, Lycoming, Potter, and Tioga counties of Pennsylvania.
Family and household
- Membership is open to immediate family members (spouse, sibling, children, parent, grandparent, grandchild, including stepparent, stepchildren, step-siblings, and adoptive relationships) and household members (persons living in the same residence maintaining a single economic unit) of an eligible credit union member.
Membership information collected October 5, 2026.