First Heritage Addison NY Credit Union | Best Auto Loans & Quick Personal Loans

Introduction

Welcome to First Heritage in Addison, NY, where we believe in building strong financial futures together! Established in 1954, our credit union has been a trusted partner for over six decades, proudly serving a community of 47,746 members. Located at 11 Steuben St, we invite you to experience a friendly atmosphere where your financial needs are our top priority. At First Heritage, we offer a wide range of services designed to help you achieve your goals. Whether you're looking for personal banking options like checking and savings accounts, vehicle financing, or even business loans, we've got you covered. With total assets reaching an impressive $732,180,153 and total deposits amounting to $12,144,889, our solid foundation ensures that your money is safe with us. We understand the importance of community impact. Our commitment goes beyond just numbers; it's about helping our members thrive. Under the leadership of our CEO, Thomas Pisano, and Board President, Robert Blair, our dedicated team of 142 employees is here to support you every step of the way. While members can visit us at our branch location, official correspondence should be sent to the same address: 11 Steuben St, Addison, NY 14801. If you have any questions or need assistance, don't hesitate to reach out at (607) 359-2275. Discover how First Heritage can make a difference in your financial journey today! Visit us online at www.fhfcu.org or stop by our branch during lobby hours Monday through Friday from 8:30 a.m. to 5:00 p.m. We look forward to serving you!

Branch History & Mission

At First Heritage, we pride ourselves on our rich legacy that has served the Addison community since our establishment in 1954. Over the decades, we have grown from a small credit union into a trusted financial partner for nearly 48,000 members, all while maintaining our commitment to exceptional service and community support. Located at 11 Steuben St, Addison, NY 14801, our branch is easily accessible and nestled within a vibrant neighborhood. As you visit us, you'll find that we're not just a financial institution; we are an integral part of the community fabric. With a strong foundation built on trust and transparency, we have amassed total assets of over $732 million, allowing us to provide a wide range of services tailored to meet the needs of our members. Our mission is clear: to empower individuals and families through personalized financial solutions while fostering community growth. We believe that when our members thrive, so does our community. Our services include personal banking, auto loans, mortgages, and business banking all designed with the goal of helping you achieve your financial aspirations. In addition to traditional banking services, we've embraced digital advancements to ensure that managing your finances is convenient and efficient. Whether it's through online banking or mobile payments, we are dedicated to making your experience as smooth as possible. Our commitment extends beyond just transactions; we aim to be advocates for financial literacy and empowerment within our community. While members can visit us at 11 Steuben St, official correspondence should be sent to 11 Steuben St, Addison, NY 14801 if needed. We also offer drive-thru banking and ATM access for your convenience. As part of our outreach efforts, we engage in various community initiatives aimed at supporting local charities and events. Partnerships with schools and organizations help us make a meaningful impact right here in Addison. Join us today and discover how First Heritage can help you reach your financial goals. Experience the benefits of membership firsthand by visiting us during our operating hours Monday through Wednesday from 8:30 AM to 4:30 PM and Thursday through Friday from 8:30 AM to 5:00 PM. For any inquiries, feel free to call us at 607-359-2275 or explore more about us at www.fhfcu.org. Together, let's build a brighter future!

Branch Location & Accessibility

Accessibility and Parking

We understand the importance of accessibility for all our members. Our branch is equipped with ADA-compliant features, including ramps and accessible parking spaces. When you visit us, you'll find ample parking available right outside our doors, ensuring a hassle-free experience.

Operating Hours and Services

Our lobby hours are designed to fit your schedule, open Monday through Wednesday from 8:30 a.m. to 4:30 p.m., and Thursday and Friday until 5:00 p.m. Whether you need assistance with personal banking, auto loans, or mortgage refinancing, our knowledgeable staff is ready to help. In addition to our in-branch services, we also offer convenient drive-thru banking for quick transactions like deposits and withdrawals. And for those on the go, our ATM is available for cash withdrawals and balance checks anytime.

Reach Out Today!

While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address at 11 Steuben St, Addison, NY 14801. If you have any questions or would like more information about our services, feel free to give us a call at 607-359-2275. We look forward to serving you at First Heritage!

Member Eligibility

At First Heritage, we believe that everyone deserves a chance to be part of a caring community where your financial needs come first. Becoming a member is simple and welcoming! If you live, work, or worship in the area surrounding our branch at 11 Steuben St Addison Ny 14801, you're likely eligible to join us. We welcome individuals from various backgrounds, ensuring that our community is diverse and inclusive. Joining means you'll enjoy personalized service, competitive rates, and a range of financial products designed just for you. For the most up-to-date eligibility details, feel free to check out our website at http://www.fhfcu.org/about-us/become-a-member. Ready to take the next step? Opening an account with us is easy! You can find all the information you need about setting up your membership by visiting https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozad9iuybxsvonxpsp8tcomtftdpizh6ormpgx2travs9xtnhga-1z5ekh817e-yu4xuyq0gqbyozukxphyx9hq6py. If you have any questions or would like assistance, don't hesitate to give us a call at (607) 359-2275. We're excited to help you become part of our family at First Heritage!

Business Banking & Commercial Services

Business 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.

Merchant Services

In addition to loans, we offer comprehensive merchant services designed to streamline your payment processing. Whether you're a small retailer or a growing service provider, our tools make transactions simple and efficient. Accepting payments is a breeze, allowing you to focus on what matters most growing your business. Visit us at 11 Steuben St Addison Ny 14801 in Addison, NY, or call us at (607) 359-2275 to learn more about how our business banking and commercial services can empower your success today!

Comprehensive List Of Services

Business Solutions

For entrepreneurs in our community, we offer robust business banking solutions. Our merchant services and business loans are designed to support local businesses thrive. We know how important it is for small businesses to have access to the right resources at the right time.

Convenient Access Anytime

At First Heritage, convenience is key. With 24/7 access through our online platform and mobile application, managing your finances has never been easier. Our ATM services allow quick cash withdrawals and balance checks whenever you need them. Plus, if you're on the go, our basic drive-thru service makes quick transactions simple.

Credit Cards That Reward You

With our credit cards featuring rewards, every purchase can bring you closer to exciting benefits. Picture earning points on everyday purchases that can lead to travel or merchandise discounts it's our way of saying thank you for being a valued member.

Financing Your Dreams

If you're considering purchasing a new vehicle or refinancing your home, our auto loans and mortgage options are here to help. We offer competitive rates on vehicle financing, making it easier than ever to drive away in the car of your dreams. For those seeking a new home, our mortgage loans come with personalized support throughout the entire process.

Get In Touch

We invite you to visit us at our branch located at 11 Steuben St, Addison, NY 14801 or give us a call at 607-359-2275 during business hours (Monday-Wednesday: 8:30 AM - 4:30 PM; Thursday-Friday: 8:30 AM - 5:00 PM). Discover how First Heritage can be your trusted partner in achieving your financial goals today! For more information about becoming a member or opening an account, please check out our website or click here to get started!

Personal Banking Made Easy

Whether you're looking to open a checking account for daily expenses or save for future goals, First Heritage offers personal banking services designed for you. Our checking and savings accounts provide flexibility and ease of use, allowing you to manage your finances effortlessly. Imagine having the ability to track your spending and savings all in one place, thanks to our user-friendly online and mobile banking platforms.

Support for Your Financial Needs

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation services come into play. Whether you need funds for a major purchase or want to simplify your payments, we are here to assist you with tailored solutions that fit your situation.

Digital & Online Banking

Key Services Available

With our online banking platform, accessible at https://www.fhfcu.org/, you can check your account balances, transfer funds, and pay bills all from the comfort of your home or on the go. You'll appreciate the ease of electronic signature authorization, which simplifies the process of signing important documents without needing to visit a branch. Plus, our e-statements keep you organized while being eco-friendly. For those who prefer mobile banking, our mobile application makes it even easier. You can manage your accounts right from your smartphone, whether it's making mobile payments or sending money through person-to-person transfers. No more waiting in line everything is just a tap away!

Security and Accessibility

Your security is our priority. We utilize advanced encryption technology to protect your personal information, ensuring safe transactions every time you log in. Our 24/7 online banking services mean that you can access your accounts whenever you need to, without worrying about operating hours. Whether you're at home or out and about, First Heritage's digital banking services provide the flexibility you need for real-time account management. Join us today and discover how easy banking can be!

Financial Strength

A Growing Community

Total Share Accounts stand at 111,651, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) amount to $1,154,249. 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 11 Steuben St Addison Ny 14801 or call (607) 359-2275 to learn more about how we can help you achieve your financial goals.

Commitment to Growth and Innovation

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. Our lending capacity supports your financial goals across various sectors with $5,134 in used auto loans and $552,819,502 in total loans and leases.

Member-Centric Savings Solutions

Your savings are our priority. 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 focus on our members. With non-member deposits at $0, we ensure that our resources benefit you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $3,990,971 reflects our operational efficiency, enabling 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.

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 also provide refinancing options to help you lower your monthly payments or adjust your loan terms for better affordability.

Business Financing

For business owners, our outstanding commercial loans totaling $68,304,723 provide the capital needed to grow and expand. We understand the unique challenges businesses face and strive to support our members with tailored financing solutions. We invite you to explore our loan offerings further and see how they can work for you. If you're ready to take the next step or want more information about eligibility or refinancing options, please reach out to us at 607-359-2275 or visit us at 11 Steuben St, Addison NY 14801. You can also check out our website at First Heritage for more details. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 guide you through the process and offer competitive rates to ensure you find a mortgage that fits your budget.

Unsecured Credit Card Loans

Managing everyday expenses is crucial for financial stability. We offer flexible terms on unsecured credit card loans, with a total of $8,843,216 in loans helping members manage their finances effectively. This option allows you to handle unexpected costs without the burden of collateral.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in the rates presented. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions its goal is to provide unbiased results, allowing users to compare loans on an even playing field. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates across multiple institutions, making it easier to choose the best option for their needs. Thousands of users trust LendMesh for 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 how effective this tool can be in reducing costs for borrowers. 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.*

First Heritage