Zachary Saunders

We are a not-for-profit organization working daily to express the idea of people working together to achieve a better life for themselves and their communities. It’s a “people helping people” mindset that instills in our operations a higher level of service and value than you’ll typically find at most for-profit financial institutions. In addition, not-for-profit means we return operating income back to our members in the form of attractive interest rates and lower fees. We’ve always been in business to look out for our members’ interests, whether it’s offering low-cost financing for a financial emergency or simply a better deal on a savings or checking account. Our Credit Union was originally chartered in 1954 as Ingersoll-Rand Employees Federal Credit Union. Twenty years later (1974), with permission to expand our charter, we became IR-Erwin Federal Credit Union. Back then, we could serve anyone who lived or worked in the Town of Erwin or Ingersoll-Rand employees and their families. Ten years later, we became a multi-occupational credit union serving a wider variety of members under the name First Heritage Federal Credit Union. In 2001 we became a community chartered credit union. Today we serve over 30,000 members from branches in Addison, Corning, Elmira, Elmira Heights, Horseheads, Mansfield, Painted Post and Wellsboro. Our community charter means we can serve anyone who lives, works, worships, attends school or maintains a business in Chemung or Steuben Counties, NY or Tioga County, PA.