First Heritage Elmira NY Credit Union | Affordable Vehicle Loans & Top Checking Accounts

Introduction

Welcome to First Heritage in Elmira, NY! Established in 1954, our credit union has been dedicated to serving our community for nearly seven decades. Located at 1707 Cedar St, Elmira, NY 14904, we pride ourselves on being a trusted financial partner for over 47,700 members. At First Heritage, we understand the importance of community and personal finance. With total assets exceeding $732 million, including $12,144,889 in deposits and a strong net worth of $77,700,437, we are well-equipped to meet your financial needs. Whether you're looking for an auto loan or a mortgage, our team is here to help you navigate your options with ease. Under the leadership of our CEO, Thomas Pisano, and Board President Robert Blair, we strive to provide exceptional service through personalized banking solutions. Our dedicated staff of 142 employees works hard every day to ensure that each member feels valued and supported. While you can visit us at our branch location for all your banking needs, any official correspondence should be sent to the same address: 1707 Cedar St, Elmira, NY 14904. We invite you to explore our wide range of services designed to make your banking experience convenient and rewarding. From checking accounts and savings plans to business loans and online banking options, First Heritage is committed to helping you achieve your financial goals. Feel free to reach out by calling us at 607-734-6280 or visit our website at www.fhfcu.org for more information. We look forward to serving you!

Branch History & Mission

At First Heritage, we take pride in our rich history and commitment to serving the community of Elmira, NY. Established in 1954, our branch has grown from a small local credit union into a trusted financial partner for nearly 48,000 members. Located at 1707 Cedar St, Elmira, NY 14904, our branch is easily accessible and just a stone's throw away from popular local landmarks. Over the years, First Heritage has evolved significantly. With total assets now exceeding $732 million, we've expanded our services to meet the diverse needs of our community. Our mission is simple yet powerful: to provide exceptional financial services while fostering a spirit of community support and engagement. We believe that when we empower individuals financially, we uplift the entire community. Our operational hours are designed with your convenience in mind. We're open Monday through Friday from 9:00 a.m. to 5:00 p.m., ensuring that you can access our services when it's most convenient for you. For those who prefer banking on-the-go, we offer ATM availability and drive-thru services to make transactions quick and easy. While members can visit us at our Elmira location for all their banking needs, official correspondence should be sent to the same address. As part of our commitment to inclusivity, we ensure that our facilities comply with ADA standards, making banking accessible for everyone. In addition to personal banking services such as checking and savings accounts, auto loans, and credit cards with rewards, we also offer business banking solutions like merchant services and business loans. Our state-of-the-art online and mobile banking options provide you with flexibility and control over your finances wherever you are. Community outreach is at the heart of what we do at First Heritage. We partner with local organizations to create programs aimed at financial literacy and support for those in need. This dedication not only strengthens our community but also fosters lasting relationships with our members. As we look forward to the future, we invite you to join us on this journey. Experience the benefits of being a member of First Heritage today! Whether you're looking to open an account or simply want more information about our services, don't hesitate to reach out at 607-734-6280 or visit us online at First Heritage. Together, let's build a brighter financial future for Elmira!

Branch Location & Accessibility

Welcome to First Heritage, conveniently located at 1707 Cedar St, Elmira, NY. Our Southport branch is easily accessible and designed to meet your banking needs with ease and comfort. Whether you're popping in for a quick transaction or need assistance with your financial goals, we're here to help. Situated near Elmira's vibrant downtown area, our branch is close to several local landmarks, making it easy to combine your banking with other errands. You'll find ample parking available, so you can visit us without any hassle. Plus, we take pride in being ADA compliant; our facilities include ramps and accessible entrances to ensure everyone can enjoy our services comfortably. First Heritage offers a variety of services tailored for personal and business banking. Our friendly staff is ready to assist you with checking and savings accounts, auto loans, mortgages, credit cards with rewards, and much more. We also have an ATM on-site for quick cash withdrawals and balance checks whenever you need them. Our lobby hours are Monday through Friday from 9:00 a.m. to 5:00 p.m., allowing you plenty of time during the week to stop by when it suits you best. If you're in a hurry, take advantage of our drive-thru service for deposits and withdrawals without leaving your vehicle. While members can visit us at 1707 Cedar St, official correspondence should be sent to the same address as our mailing address is also 1707 Cedar St, Elmira, NY 14904. Feel free to reach out at 607-734-6280 if you have any questions or need assistance before visiting us. We look forward to welcoming you to First Heritage!

Member Eligibility

At First Heritage, we believe that joining our community is about more than just banking it's about becoming part of a supportive family that looks out for one another. If you're interested in becoming a member, you'll find that the process is welcoming and straightforward. Eligibility is open to those who live, work, worship, or attend school in our local area, which helps us create a strong bond with our members. You can learn more about the specific criteria by visiting this link, where we outline everything you need to know. Once you're ready to take the next step, opening an account is just as easy. You can get started online by following this account opening link. Our team at First Heritage, located at 1707 Cedar St Elmira Ny 14904, is here to help you through the process. Feel free to reach out at (607) 734-6280 if you have any questions or need assistance. We're excited to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine having a reliable partner that offers merchant services tailored for your needs. From seamless payment processing to customized financial advice, we empower you to focus on what you do best running your business. Our team is dedicated to making financial transactions easy and efficient, allowing you to serve your customers better while enhancing your bottom line. Visit us at 1707 Cedar St Elmira Ny 14904 in Elmira, NY or give us a call at (607) 734-6280 to learn more about how we can assist your business today!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $739 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $68,304,723, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

If you're a business owner, we haven't forgotten about you! Our Business Banking services include essential tools like Merchant Services & Business Loans that can help grow your venture. We understand the unique challenges small businesses face, and we are dedicated to providing the support you need.

Digital Convenience

In this fast-paced digital world, we've made banking easier than ever with our Online & Mobile Banking features. You can manage your accounts anytime from anywhere using our user-friendly mobile application. Whether it's making payments or checking balances, everything is just a few taps away! Additionally, we offer ATM & Cash Withdrawal Services, ensuring you have access to your funds when you need them most. For quick transactions, our basic drive-thru service allows for easy deposits and withdrawals without leaving your vehicle.

Get Started Today!

At First Heritage, we are dedicated to meeting all your financial needs right here at our branch located at 1707 Cedar St Elmira NY 14904. To learn more about how we can assist you or to get started with any of our services, don't hesitate to reach out at 607-734-6280 or visit us online at First Heritage. Join us today and experience the difference personalized service makes!

Personal Banking Solutions

One of the cornerstones of our offerings is personal banking. We provide Checking & Savings Accounts designed to fit your lifestyle. Whether you're budgeting for everyday expenses or saving for a special occasion, our accounts come with features that make managing your finances simple and straightforward. For those looking to finance a new vehicle, our Auto Loans & Vehicle Financing options offer competitive rates and flexible terms. Imagine driving off in your dream car without breaking the bank! Additionally, if homeownership is on your horizon, explore our Mortgage Loans & Refinancing services. We aim to make the mortgage process as smooth as possible so you can focus on finding the perfect place to call home.

Support for Your Financial Needs

In today's world, unexpected expenses can arise at any moment. That's why we offer Personal Loans & Debt Consolidation solutions tailored to help you regain control over your finances. Our loans can assist in managing debt more effectively or funding personal projects that matter most to you. To reward responsible spending, consider our Credit Cards with Rewards. These cards not only provide convenience but also allow you to earn points towards exciting perks and cash back.

Digital & Online Banking

Enjoy Real-Time Account Management

Managing your finances has never been more accessible. Our robust online tools provide real-time account management, giving you up-to-date information about your transactions and balances. With every feature designed with ease-of-use in mind, you can focus more on what matters most your life while we handle the details. Experience the future of banking today at First Heritage! With our commitment to providing exceptional service and state-of-the-art technology, you're not just a member; you're part of our family. For more information on our digital banking offerings or to get started today, visit us at https://www.fhfcu.org/ !

Key Features of Our Digital Banking Services

Our online banking service offers 24/7 access to your accounts, allowing you to check balances, transfer funds, and pay bills whenever it suits you. If you're on the go, our mobile application is available for download, providing a user-friendly interface right in your pocket. You can also enjoy the flexibility of making person-to-person transfers effortlessly, so sending money to friends or family is just a tap away. Security is a top concern in today's digital world, and at First Heritage, we take it seriously. We utilize electronic signature authorization, which ensures that your transactions are safe and secure. Plus, with e-statements available, you can easily keep track of your financial activities without the clutter of paper statements. For those who prefer using their smartphones for payments, our mobile payments feature lets you make purchases quickly and securely. Whether you're shopping in-store or online, paying with your phone has never been easier.

Financial Strength

Growing Membership Base

We are proud to have a growing member base with 111,651 total share accounts. This shows the trust that so many have placed in us as their financial partner. Net Shares available for lending and investments stand at $1,154,249, further demonstrating our ability to support your borrowing needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Heritage is your trusted partner. Visit us at 1707 Cedar St Elmira Ny 14904 or call (607) 734-6280 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Solutions

Members' savings are secured through $210,922,039 in share certificates and $82,568,063 in money market shares, offering stable and rewarding financial growth opportunities. We prioritize our members over profits; unlike traditional banks, we focus our resources on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $3,990,971 reflects our operational efficiency. This strong performance enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 140 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $73,482,870 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This approach allows us to continually improve your banking experience. Our lending capacity supports members' financial goals with $5,134 in used auto loans and $552,819,502 in total loans and leases. Whether you're purchasing a vehicle or financing a new project, we're here to help.

Solid Financial Health

With a net worth of $77,700,437, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation enables us to support your financial needs effectively. Our net worth ratio of $1,062 demonstrates a robust capital base. This means we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $70,640,543 in used vehicle loans and $163,397,913 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new model or a reliable used vehicle, our financing options are designed to fit your budget and lifestyle.

Credit Lines

For those looking for additional flexibility in their finances, our credit lines totaling $91,532,845 provide access to funds when needed without the hassle of traditional loans. This option is perfect for unexpected expenses or planned purchases.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer loans for Junior Lien 1-4 Family Residential Properties totaling $66,057,461. If you're ready to take the next step toward owning a home, we can guide you through the process and help you find the best terms available.

Refinancing Options

If you already have a loan but are interested in better rates or terms, don't hesitate to ask about our refinancing options. We may be able to help lower your monthly payments or consolidate your debts into one manageable loan. At First Heritage, we prioritize making borrowing straightforward and accessible. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore how our loan products can fit into your financial plan by visiting us at our Elmira branch or calling us today! We look forward to helping you achieve your financial aspirations.

Unsecured Credit Card Loans

Managing day-to-day expenses can be easier with our flexible terms on unsecured credit card loans. We currently have $8,843,216 in loans helping members manage their finances effectively. These cards come with competitive rates and rewards that can benefit you as you make purchases.

Loan Aggregator

Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that all offers presented are fair and transparent. By leveraging verified data, LendMesh guarantees that users receive reliable information for their borrowing needs.

Call to Action

Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Trust-Building Benefits

One of the standout features of LendMesh is its focus on delivering verified data. All loan offers come from legitimate financial institutions, ensuring transparency throughout the comparison process. Unlike many other platforms, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that serve the best interests of our users. Additionally, LendMesh offers real-time rate comparisons. Users can access up-to-date loan rates from multiple institutions, empowering them to make informed decisions quickly. This feature is especially beneficial in a market where rates can change frequently. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of this tool in helping individuals secure better financing options.

FIRST HERITAGE FEDERAL CREDIT UNION