HERITAGE FINANCIAL FEDERAL CREDIT UNION - Central Valley, NY

Welcome to Heritage Financial, your trusted partner in banking since 1940! Located at 273 Route 32, Central Valley, NY 10917, we take pride in serving our community with a personal touch and commitment to financial well-being. With over 56,304 members and a robust $721,218,176 in total assets, we're more than just a credit union we're a cornerstone of support for families and businesses alike. At Heritage Financial, we believe in making banking accessible and straightforward. Our dedicated team of 161 employees, led by CEO Michael Ciriello and Board President Kenneth Affeldt, is here to help you navigate your financial journey. Whether you're looking for checking accounts, auto loans, or business financing solutions, we offer a wide range of services tailored to meet your needs. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 25 Rykowski Lane, Middletown, NY 10941. We understand the importance of convenience our branch features an ATM available around the clock and offers online and mobile banking options so you can manage your finances anytime, anywhere. Our strong financial standing is reflected not only in our total deposits of $13,680,628 but also in our dedication to providing safe and secure services. With a net worth of $79,605,093 and cash reserves totaling $6,035,364, you can trust that your money is in good hands. We invite you to explore what makes Heritage Financial special. Visit our website at heritagefcu.com or give us a call at 845-561-5607 to learn more about how we can assist you today!

Welcome to Heritage Financial, a cornerstone of the Central Valley community since 1940. Our branch, located at 273 Route 32, Central Valley, NY 10917, has grown from humble beginnings into a thriving credit union with over 56,304 members and total assets of $721,218,176. As we reflect on our history, we celebrate the relationships we've built and the positive impact we've made in the lives of our members. Since opening our doors more than eight decades ago, Heritage Financial has consistently aimed to provide accessible financial services that empower individuals and families. We pride ourselves on understanding our members' needs and adapting to meet them. Whether you are seeking personal banking options like checking and savings accounts or looking for financing through auto loans and mortgages, we are here to guide you every step of the way. Our mission is simple yet powerful: to foster financial wellness in our community by offering tailored financial solutions while maintaining a strong commitment to service and support. We believe that everyone deserves a chance to achieve their financial goals. This is why we focus not only on providing excellent banking services but also on supporting local initiatives that enhance the quality of life in our area. While members can visit us at 273 Route 32, official correspondence should be sent to 25 Rykowski Lane, Middletown, NY 10941. Our operating hours are designed with your convenience in mind: Monday through Thursday from 8:30 AM to 5 PM, Friday until 6 PM, and Saturday from 9 AM to 2 PM. Plus, enjoy round-the-clock access to your funds with our 24-hour ATM service. At Heritage Financial, we are proud to embrace technology that makes banking easier and more efficient for you. With options for online and mobile banking, e-statements, and mobile payments, managing your finances has never been simpler. We also ensure compliance with ADA standards so that all members can access our services comfortably. Community involvement is integral to who we are. We actively seek partnerships with local organizations and engage in outreach efforts that uplift those around us. From educational workshops to sponsorships of community events, we strive to make a difference in Central Valley. Join us at Heritage Financial today! Experience firsthand how we can help you achieve your financial dreams while being part of a community-focused institution that cares deeply about its members. For any inquiries or assistance, feel free to call us at 845-561-5607 we're here for you!

At Heritage Financial, we believe that everyone deserves to be part of a supportive community where your financial well-being is our priority. Joining us as a member is easy! If you live, work, worship, or attend school in Orange County, NY, you're already eligible to open an account. We welcome individuals from all walks of life, and becoming a member means you can take advantage of our personalized services designed just for you. You'll enjoy benefits like competitive loan rates, attractive savings options, and the convenience of online banking. To get started on your journey with us, simply visit our account opening page at this link. If you have any questions or need assistance along the way, feel free to call us at (845) 561-5607. For more detailed information about eligibility requirements, check out our resource page here. We can't wait to welcome you to the Heritage Financial family!

At Heritage Financial, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that you want to feel confident about where you place your hard-earned money, and we are here to provide that reassurance. With a net worth of $79,605,093, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.03% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $101,653,289 in share certificates and $56,780,976 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $52,463,377, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $52,042,933 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 with $7,614 in used auto loans and $614,105,015 in total loans and leases. Our operational efficiency is reflected in our $281,581, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 153 full-time employees and 8 part-time employees ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $31,189,985. Total Share Accounts: 63,685, 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, Heritage Financial is your trusted partner. Visit us at 273 Route 32 Central Valley Ny 10917 or call (845) 561-5607 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.