Welcome to Heritage Financial, a trusted financial institution established in 1940 and headquartered in Middletown, NY. Our mission is to empower our members and the community through exceptional service, with a special focus on supporting military members and fostering financial literacy. Under the leadership of CEO Michael Ciriello and Board President Kenneth Affeldt, we strive to create an inclusive environment where every member feels valued and supported in their financial journey. As a federally insured credit union since March 15, 1971, you can trust that your savings are safe with us.

At Heritage Financial, we embrace modern banking technologies to enhance your experience. Our suite of services includes convenient online banking, a user-friendly mobile application for managing accounts on-the-go, person-to-person transfers for easy payments between friends and family, e-statements for quick access to your finances, and mobile payment options for seamless transactions. We also prioritize accessibility with electronic signature authorization to simplify document handling. With a strong commitment to our members' needs and over $721 million in total assets, we invite you to explore how Heritage Financial can help you achieve your financial goals. For more information, visit us at https://heritagefcu.com/ or contact us via fax at 8453261519.

Heritage Financial is dedicated to providing a comprehensive suite of financial services designed to meet the diverse needs of our members. With offerings such as personal banking, auto loans, mortgage refinancing, and credit cards with rewards, we ensure that every member has access to the tools necessary for effective financial management. Our business banking solutions further empower small businesses with merchant services and tailored business loans, enabling them to thrive in a competitive marketplace. Whether you're looking to consolidate debt or finance your dream vehicle, our expert team is here to guide you every step of the way.

In today’s digital age, Heritage Financial recognizes the importance of convenience and accessibility. With robust online banking features and a user-friendly mobile application, managing your finances has never been easier. Enjoy seamless person-to-person transfers and mobile payments at your fingertips, along with the ability to receive e-statements and utilize e-signatures for added efficiency. These digital solutions not only streamline everyday banking but also help you plan for significant life milestones with confidence. For those interested in joining our community or exploring loan options, detailed eligibility information can be found at and you can compare rates at https://www.lendmesh.com/loans/mortgage_loans . If you have any questions or need personal assistance, feel free to reach out via fax at (845) 326-1519; our team is always ready to support you on your financial journey.

Heritage Financial stands as a pillar of trust and reliability in the financial sector, proudly serving a robust community of 56,304 members. Established in 1940, our credit union has consistently demonstrated its commitment to financial excellence, achieving a remarkable total asset value of 721,218,176. This solid foundation allows us to provide a diverse range of services tailored to meet the unique needs of our members.

Our financial health is reflected in our impressive net worth of 79,605,093, which underscores our stability and dedication to prudent management. With a net income of 530,173, we continue to generate value for our members while maintaining strong operational efficiency. Our total deposits reach 13,680,628, showcasing the trust our members place in us to safeguard their hard-earned money.

Heritage Financial is equally committed to empowering our community through lending. We offer a variety of financial products, with a total loans and leases portfolio amounting to 20,451. This includes an auto loan volume of 15,228, allowing members access to affordable vehicle financing options. Additionally, we support local businesses with commercial loans, having facilitated 23 such loans, fostering economic growth within our community.

With a dedicated team comprising 161 employees, Heritage Financial ensures personalized service and expert guidance at every step. Our impressive net worth ratio of 1,103 further illustrates our strength and ability to respond effectively to the financial needs of our members.

At Heritage Financial, transparency and member-focused service are paramount. We invite you to explore how we can assist you in achieving your financial goals. Discover competitive rates and tailor-made solutions by comparing real-time loan offers today at https://www.lendmesh.com/loans/mortgage_loans . Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov .