Credit union · NCUA insured
First Heritage Federal Credit Union Savings Rates
First Heritage Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How First Heritage Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Elmira, NY, where First Heritage Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Heritage Federal Credit Union
0.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $25
Money Market
Top rate
Five Star Bank
2.75%APY
- Minimum
- $10,000
- Earns on $10,000 a year
- $275
2nd-highest rate
Empower Federal Credit Union
1.15%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $115
First Heritage Federal Credit Union savings score
72
Savings score
Higher than 32% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where First Heritage Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
0.25%APY
Membership eligibility required. Member forfeits dividends if account is closed before dividends accrue.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $49,999 | 0.25% | $25 |
| $50,000 – $99,999 | 0.65% | — |
| $100,000 – $249,999 | 1.00% | — |
| $250,000 and up | 1.26% | — |
Sources (1)
- fhfcu.org/rates · captured Oct 5, 2026
Savings
0.15%APY
Minimum deposit to open is $5. Minimum daily balance of $100 to earn dividends. Membership eligibility required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $10,000 | 0.15% | — |
| $10,000 – $50,000 | 0.15% | $15 |
| $50,000 – $100,000 | 0.20% | — |
| $100,000 – $250,000 | 0.25% | — |
| $250,000 and up | 0.30% | — |
Special-purpose accounts
IRA Savings
0.20%APY
Available as Traditional or Roth IRA Savings Account. Minimum $5 to open. Available to anyone with taxable compensation.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.20% | — |
| $10,000 – $50,000 | 0.20% | $20 |
| $50,000 – $100,000 | 0.30% | — |
| $100,000 – $250,000 | 0.35% | — |
| $250,000 and up | 0.40% | — |
Holiday/Vacation Club
0.10%APY
Club accounts for vacation or holiday savings. For Holiday Club, balance is transferred to the prime share on October 1st.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Closed to new customers
APEX Saver
Up to 0.75%APY
Available exclusively to APEX Cash or APEX Cash Back checking account holders. No monthly maintenance fee, no minimum balance to earn rewards, and no minimum deposit to open. To earn the higher dividend rate, the following qualifications must post and settle to the APEX Cash or APEX Cash Back account during each Monthly Qualification Cycle: at least 1 direct deposit or ACH or bill payment, at least 12 debit card purchases, and enrollment in eStatements. If qualifications are not met, base rate is earned.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Qualifying rate on balances up to $50,000 when monthly qualification cycle requirements are met on linked APEX Cash or APEX Cash Back checking account. | 0.75% | $75 | Qualifying rate on balances up to $50,000 when monthly qualification cycle requirements are met on linked APEX Cash or APEX Cash Back checking account. |
| Any balanceBase rate earned if monthly qualification requirements are not met on linked APEX Cash or APEX Cash Back checking account. | 0.05% | $5 | Base rate earned if monthly qualification requirements are not met on linked APEX Cash or APEX Cash Back checking account. |
| $50,000 and upQualifying rate on portion of balance over $50,000 when monthly qualification cycle requirements are met on linked APEX Cash or APEX Cash Back checking account. | 0.20% | — | Qualifying rate on portion of balance over $50,000 when monthly qualification cycle requirements are met on linked APEX Cash or APEX Cash Back checking account. |
Sources (3)
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.