First Heritage Federal Credit Union is listing a 2.78% APY for its share and IRA share certificates with terms of 6 to 24 months. Minimum deposit is $1,000. These rates are current as of 4/28/2009.

Membership is open to everyone who lives, works, worships, attends school or maintains a business in Chemung and Steuben Counties, New York, and Tioga County, Pennsylvania. Membership also requires a minimum balance of $5 in the share savings account.

The credit union is federally insured by the NCUA.