First Heritage Wellsboro PA Credit Union | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to First Heritage, your trusted financial partner in the heart of Wellsboro, PA. Located at 17 East Ave, we are proud to have been serving our community since 1954. With a commitment to member satisfaction and community support, we've built a strong foundation that stands on trust and reliability. At First Heritage, our dedication to you is reflected in our impressive financial strength, boasting total assets of $732,180,153 and total deposits of $12,144,889. We currently serve over 47,746 members, offering a wide range of services tailored to meet your needs from personal banking solutions like checking and savings accounts to auto loans and mortgage options. Our total loans and leases reach an impressive count of 24,325, providing ample opportunities for our members to finance their dreams. While you can visit us directly at our branch for all your banking needs, if you need to send official correspondence, please use our mailing address: 17 East Ave, Wellsboro, PA 16901. Our team is here to assist you with any questions or concerns you might have. Just give us a call at 570-724-5331 during our convenient hours: Monday through Wednesday from 8:30 a.m. to 4:30 p.m., and Thursday through Friday from 8:30 a.m. to 5:30 p.m. Under the leadership of our CEO, Thomas Pisano, and Board President Robert Blair, we are not just about numbers; we're about people. Our staff of 142 dedicated employees works hard every day to ensure that every member feels valued and supported in achieving their financial goals. We invite you to explore how First Heritage can help you navigate your financial journey with confidence. Visit our website at First Heritage or stop by today! Your future starts here with us.

Branch History & Mission

Join Us

With an unwavering dedication to member satisfaction and community support, First Heritage invites you to join our growing family. Experience personalized banking services tailored just for you. We look forward to helping you achieve your financial goals! For more information or if you're ready to become a member, visit us online at First Heritage or give us a call at 570-724-5331 today!

Our Journey

First Heritage began its journey with a simple yet powerful mission: to provide quality financial services that empower our members and uplift our community. Over the years, we have achieved significant milestones, including reaching total assets of over $732 million. This growth reflects our commitment to serving our members' diverse financial needs, from personal banking to business solutions. As we evolved, we embraced modern technology to enhance our services. Today, we offer online and mobile banking options for convenience and accessibility. Our drive-thru service and ATM availability further ensure that banking with us is straightforward and efficient.

Our Mission

At First Heritage, our mission extends beyond just providing financial products; we aim to support the community that supports us. We believe in giving back through various outreach programs and partnerships that focus on local development and assistance. By investing in our community, we strive to make Wellsboro a better place for all its residents. Our operating hours are designed with your convenience in mind: Monday to Wednesday from 8:30 a.m. to 4:30 p.m., and Thursday to Friday until 5:30 p.m. Whether you're visiting us for a loan consultation or simply checking your account balance, you will always find a friendly face ready to assist you. While members can visit us at 17 East Ave, official correspondence should be sent to the same address as there is no difference between our branch and mailing addresses.

Branch Location & Accessibility

Welcome to the First Heritage Credit Union branch located at 17 East Ave in Wellsboro, PA! Our branch is designed with your convenience in mind, making it easy for you to access the financial services you need. Nestled in the heart of Tioga County, we're close to local favorites like the Wellsboro Diner and just a short drive from beautiful parks and recreational areas. At First Heritage, we understand how important accessibility is. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can visit us comfortably. Plus, there's ample parking available right outside our doors, making your banking experience hassle-free. We offer flexible operating hours to accommodate your busy schedule. You can visit us Monday through Wednesday from 8:30 a.m. to 4:30 p.m., and on Thursday and Friday until 5:30 p.m. If you prefer to handle transactions on the go, our ATM is available for quick cash withdrawals and balance checks anytime. For those who enjoy the ease of drive-thru banking, we have that covered too! With our drive-thru service, you can complete deposits, withdrawals, and other simple transactions without even having to leave your vehicle. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 17 East Ave, Wellsboro, PA 16901. Have questions? Feel free to reach out by phone at 570-724-5331. We're here to help you with personal banking solutions including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and much more! We invite you to stop by and discover how First Heritage Credit Union can assist you with your financial journey. Your community bank is just around the corner!

Member Eligibility

At First Heritage, we believe that becoming a member means joining a caring community dedicated to your financial well-being. If you live, work, worship, or attend school in the area around our branch, you're already eligible to join us! Our doors are open to individuals and families who want to take advantage of our personalized services and competitive rates. Whether you're looking for a checking account, a loan, or simply a place to grow your savings, you'll find that First Heritage is here to support you every step of the way. To explore all the details about membership eligibility and see if you qualify, feel free to visit our website at http://www.fhfcu.org/about-us/become-a-member . Once you're ready to take the next step in joining our family, opening an account is quick and easy! Just head over to https://app.loanspq.com/apply.aspx ?enc=kw21wblm1yxpjjabdozad9iuybxsvonxpsp8tcomtftdpizh6ormpgx2travs9xtnhga-1z5ekh817e-yu4xuyq0gqbyozukxphyx9hq6py or give us a call at (570) 724-5331. We can't wait to welcome you into our community at 17 East Ave Wellsboro Pa 16901!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine this: a bustling café in Wellsboro, PA, where customers enjoy their favorite brews while paying seamlessly through various methods. Our merchant services make this possible. We equip businesses with the tools they need to accept payments easily whether it's via credit cards or mobile payments allowing you to focus on what you do best: serving your customers. Located at 17 East Ave Wellsboro Pa 16901, we invite you to explore how First Heritage can empower your business today. For more information or to discuss your options, give us a call at (570) 724-5331. Your success is our priority!

Tailored Loan Solutions

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

ATM and Cash Withdrawal Services

Need quick access to cash? Our ATM services allow for easy withdrawals and balance checks without stepping inside the branch. Plus, our drive-thru service provides a simple way to conduct basic transactions like deposits or withdrawals without leaving your vehicle. At First Heritage, we're committed to making banking as easy as possible for our members. Our friendly staff is always available to guide you through our offerings and help tailor solutions that meet your specific needs. We invite you to explore all that we have to offer by visiting us at 17 East Ave Wellsboro Pa 16901 or giving us a call at (570) 724-5331. Ready to take the next step? Consider opening an account today by following this link: Open an Account. Join us in experiencing personalized financial services at Wellsboro!

Business Banking

If you're running a business, you'll appreciate our comprehensive business banking services. From merchant services that simplify payment processing to business loans that help you grow, we're here to support your entrepreneurial journey.

Credit Cards and Loans

For those needing extra funds, we have personal loans that can help with debt consolidation or unexpected expenses. Our credit cards come with rewards that allow you to earn while you spend! Imagine earning cash back on purchases you already make it's just one way we help you get more out of your money.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options so you can manage your finances anytime, anywhere. With features like person-to-person payments, mobile payments, and e-statements, staying on top of your finances has never been easier.

Personal Banking

Our personal banking services include checking and savings accounts tailored to fit your lifestyle. Whether you're setting up a budget or saving for something special, our accounts offer easy access and competitive rates. If you're looking for financing options, our auto loans and vehicle financing programs help make your dream car a reality without breaking the bank. We also provide mortgage loans and refinancing solutions, perfect for anyone looking to purchase a new home or lower their monthly payments.

Digital & Online Banking

Key Features

Our online banking platform comes equipped with features like E-Statements Availability. This means you can easily view your statements digitally no more waiting for paper copies to arrive in the mail. Plus, if you're ever in need of quick approvals or signatures, our Electronic Signature Authorization makes it simple to finalize important documents without the hassle of printing. Need to send money quickly? Our Person-to-Person Transfers let you send funds directly to friends or family with ease. And if you prefer handling transactions on your mobile device, don't forget about our user-friendly Mobile Application! It includes options for Mobile Payments, allowing you to make purchases right from your phone making shopping as easy as a tap.

Security and Ease of Use

We prioritize your security while ensuring that every feature is easy to navigate. Our digital services come with advanced security measures so you can feel confident about your transactions. In today's fast-paced world, having real-time account management tools at your fingertips is crucial. With First Heritage, you can enjoy all these benefits without any stress. Start experiencing the convenience of digital banking today!

Financial Strength

Building Trust

Total Share Accounts: 111,651, showcasing a strong and growing member base that trusts us with their finances. 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 17 East Ave Wellsboro Pa 16901 or call (570) 724-5331 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Committed Team Support

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. Together, we work hard to create an environment where your needs come first.

Member-Focused Savings

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. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvesting in Our Community

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 support your financial goals effectively. Our lending capacity is also robust; with $5,134 in used auto loans and $552,819,502 in total loans and leases, we are here to help you achieve your aspirations across various sectors. Furthermore, our $3,990,971 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Strong 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. Our net worth ratio of $1,062 demonstrates a solid capital foundation, ensuring that 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. We provide financing options that are flexible and designed to fit your budget.

Business Loans

For business owners seeking growth opportunities, our outstanding commercial loans totaling $68,304,723 provide the capital needed to expand operations and invest in future projects.

Credit Lines and Personal Loans

For those who prefer flexibility in managing finances, we offer credit lines totaling $91,532,845. These lines of credit allow you to access funds when you need them most ideal for unexpected expenses or planned projects. We also provide unsecured credit card loans with a total of $8,843,216 available to help members manage their finances effectively. Our credit cards come with various rewards and benefits that make spending more rewarding.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $66,057,461, make buying or refinancing simple. We can guide you through the process to ensure you find a mortgage solution that works best for your situation.

Refinancing Options

If you're considering refinancing your existing loans or exploring eligibility options for new ones, our team can assist you in finding the best solutions tailored to your needs. At First Heritage Credit Union, we pride ourselves on serving our community with transparent and supportive financial services. For performance insights and financial data related to our offerings, visit the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore how we can support your financial journey today!

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FIRST HERITAGE FEDERAL CREDIT UNION