First Heritage Hornell NY Credit Union | Best Auto Loans & Business Banking

Introduction

Welcome to First Heritage, your trusted community partner since 1954. Located at 167 Seneca St, Hornell, NY 14843, we take pride in serving our members with dedication and care. With a robust membership of 47,746 and total assets exceeding $732 million, we're committed to providing financial solutions that help you achieve your goals. At First Heritage, we understand that banking is more than just numbers; it's about building relationships within our community. That's why we offer a variety of services tailored to meet your needs from checking and savings accounts to auto loans and mortgages. Whether you're looking to purchase your first car or refinance your home, our experienced team is here to guide you every step of the way. While members can visit us at our branch in Hornell, official correspondence should be sent to our mailing address: 165-167 Seneca St, Hornell, NY 14843. You can reach us at (607) 936-4667 during our lobby hours, Monday through Friday from 8:30 AM to 4:00 PM. Our leadership team, headed by CEO Thomas Pisano and Board President Robert Blair, is dedicated to ensuring that First Heritage remains a safe and welcoming place for all members. With a net worth of $77.7 million and cash reserves of over $6 million, you can trust that your money is in good hands. Join us today and experience the difference of a member-focused credit union. Visit our website at First Heritage for more information or stop by our branch to start your journey with us!

Branch History & Mission

At First Heritage, we are proud of our rich history that dates back to 1954 when our Hornell branch first opened its doors at 167 Seneca St, Hornell, NY 14843. Since then, we have grown tremendously, serving over 47,000 members and managing total assets of $732,180,153. Our journey reflects our commitment to providing financial services that empower our community. Our mission is simple yet profound: to support the financial well-being of our members while fostering a strong sense of community. We believe in making banking accessible for everyone, offering a range of services from personal and auto loans to business banking solutions. Our drive-thru service and ATM availability ensure that you can access your funds conveniently and securely. While you can visit us at our branch location for all your banking needs, official correspondence should be directed to our mailing address at 165-167 Seneca St, Hornell, NY 14843. Our operating hours are Monday through Friday from 8:30 AM to 4:00 PM, making it easy for you to reach us during the week. Over the years, First Heritage has embraced technology to enhance member experience. We offer online and mobile banking services that allow members to manage their accounts anytime, anywhere. Additionally, we are committed to ADA compliance, ensuring our services are accessible to all members of the community. Community involvement is at the heart of what we do. We actively participate in local events and initiatives aimed at improving the lives of those around us. By partnering with schools and organizations in Hornell and beyond, we strive to make a positive impact on our community's growth and development. Join us at First Heritage Credit Union where your financial goals matter. Experience personalized service and a supportive environment designed just for you. We invite you to become part of our family visit us today or learn more about becoming a member here. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to First Heritage at our Hornell branch, conveniently located at 167 Seneca St, Hornell, NY 14843. We're proud to be a part of the vibrant community in Steuben County, making it easy for you to access your banking needs. Whether you're stopping by to open an account or take care of everyday transactions, our welcoming staff is here to help. While members can visit us at 167 Seneca St, please note that official correspondence should be sent to 165-167 Seneca St, Hornell, NY 14843. Our branch is easily accessible, with ample parking available right outside. For those who may need assistance, we have ADA-compliant features to ensure everyone can enjoy a smooth banking experience. We understand that convenience matters. That's why we offer drive-thru banking for quick deposits and withdrawals without leaving your car. Plus, with an ATM on-site, you can access your funds anytime you need them. Our operating hours are designed with your busy schedule in mind. We're open Monday through Friday from 8:30 AM to 4:00 PM, allowing you plenty of time during the week to visit us for all your personal banking needs. Located near local landmarks like the Hornell Public Library and the historic downtown area, our branch is not just a place for banking; it's part of the community fabric. We invite you to come in and explore everything we offer from checking and savings accounts to auto loans and more. Have questions? Feel free to give us a call at 607-936-4667. We look forward to seeing you soon at First Heritage!

Member Eligibility

At First Heritage, we believe that becoming a member is about joining a community where your financial well-being matters. If you're looking to enjoy personalized service and a variety of benefits, you've come to the right place! Membership is open to individuals who live, work, worship, or attend school in our community. We welcome everyone with open arms and strive to provide support tailored to your needs. For detailed eligibility requirements, feel free to check out our website at http://www.fhfcu.org/about-us/become-a-member . Joining us is simple! You can easily open an account online by visiting https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozad9iuybxsvonxpsp8tcomtftdpizh6ormpgx2travs9xtnhga-1z5ekh817e-yu4xuyq0gqbyozukxphyx9hq6py , or if you prefer, give us a call at (607) 936-4667 for assistance. Whether you're seeking savings options, loans, or just a friendly face to help you manage your finances, we're here for you at our branch located at 167 Seneca St Hornell Ny 14843. We can't wait to welcome you into the First Heritage family!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine being able to accept payments seamlessly from your customers while keeping track of transactions effortlessly. Our merchant services are designed for real-world applications enabling you to focus on what you do best: running your business. From point-of-sale systems to online payment processing, we provide tools that help you improve cash flow and enhance customer satisfaction. Partner with First Heritage today, located at 167 Seneca St Hornell Ny 14843, and let us help you take your business to the next level! For more information or to get started, call us at (607) 936-4667.

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 Solutions

For small business owners, we provide comprehensive business banking services including merchant services and business loans. We're dedicated to helping local businesses thrive by offering flexible solutions that cater to their specific requirements.

Credit Cards with Rewards

We understand that every little bit helps. That's why we offer credit cards with rewards programs that allow you to earn points or cashback on your everyday purchases. It's just another way we make your financial life easier and more rewarding.

Digital Banking Features

In today's fast-paced world, convenience is key. Our online and mobile banking platforms allow you to manage your finances anytime, anywhere. With features such as ATM access for quick withdrawals and balance checks, along with person-to-person payment options, staying on top of your finances has never been easier.

Drive-Thru and ATM Services

Need to make a quick deposit or withdrawal? Our basic drive-thru banking services cover all the essentials from deposits to simple transactions without needing to leave your car. Plus, our ATMs are readily available for cash withdrawals and balance inquiries whenever you need them. At First Heritage, we strive to be more than just a financial institution; we aim to be a trusted partner in your financial journey. For any questions about our services or how we can assist you further, feel free to give us a call at 607-936-4667 during our lobby hours from Monday through Friday, 8:30 AM to 4:00 PM. Ready to take the next step? Visit us online at First Heritage or stop by our branch today! We look forward to serving you.

Loans Made Easy

When it comes to financing, we have options for everyone. Looking to buy a new car? Our auto loans and vehicle financing can help get you on the road in no time. If you're considering purchasing a home or refinancing an existing mortgage, our mortgage loans are structured to meet your unique needs. For those times when unexpected expenses arise or when you want to consolidate debt, our personal loans can provide the support you need.

Personal Banking

Our personal banking services include checking and savings accounts designed to fit your lifestyle. Imagine having a checking account that not only helps you manage your daily expenses but also rewards you with benefits. With our savings accounts, you can easily set aside funds for future plans, like a vacation or a home renovation.

Digital & Online Banking

Key Features

One of the standout features is our mobile application, which makes managing your accounts even easier. You can make mobile payments seamlessly, so whether you're shopping or splitting a bill with friends, you've got options right on your phone. Additionally, our person-to-person transfer feature allows for quick and easy money transfers between friends and family no more hassle with cash! For added convenience, we provide electronic signature authorization for various transactions. This feature not only speeds up the process but also enhances security by allowing you to sign documents digitally from the comfort of your home.

Security and Accessibility

We take security seriously at First Heritage. Our systems are designed to protect your information while ensuring that you enjoy a smooth banking experience. You can also opt for e-statements to receive bank statements electronically, which helps reduce paper clutter and keeps everything organized. In a world where time is valuable, our digital banking services are here to help you manage your finances efficiently. Explore all the possibilities at https://www.fhfcu.org/ and see how easy it can be to stay on top of your financial goals with First Heritage!

Financial Strength

A Foundation Built on Strength

With a net worth of $77,700,437, we maintain robust 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.

Building Trust Together

The strength of our organization is further illustrated by our total share accounts 111,651 showing 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 167 Seneca St Hornell Ny 14843 or call (607) 936-4667 to learn more about how we can help you achieve your financial goals.

Investing in Our Members

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 is evident with $5,134 in used auto loans and $552,819,502 in total loans and leases supporting your financial goals across various sectors.

Steady Growth

Our operational efficiency is reflected in our $3,990,971, 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 who are always ready to serve you with a knowledgeable, committed team. With net shares amounting to $1,154,249, we have funds available for lending and investments that benefit our member community.

Your Savings Are Secure

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.

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 flexible terms and competitive interest rates to ensure you can drive away with confidence.

Business Financing

For business owners, our outstanding commercial loans totaling $68,304,723 provide the capital needed to grow and expand. We understand that every business has unique needs and are ready to work with you to find the best financing solution. If you're interested in any of these loan products or want more information about refinancing options or eligibility requirements, feel free to reach out. You can contact us at 607-936-4667, or visit us at our branch located at 167 Seneca St Hornell NY 14843. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. No matter what you're looking for whether it's a new vehicle or financing for your home First Heritage is here to help you navigate your options and make informed decisions. Let's work together towards your financial future!

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. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, our team is here to guide you through the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $8,843,216 in loans helping members manage their finances effectively. These cards come with benefits that can help you earn rewards while keeping your spending in check.

Loan Aggregator

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FIRST HERITAGE FEDERAL CREDIT UNION - Hornell, NY