Heritage Financial Credit Union Central Valley NY | Affordable Auto Loans & Business Banking

Introduction

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!

Branch History & Mission

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!

Branch Location & Accessibility

Accessibility and Parking

We believe banking should be simple and accessible for everyone. At our Central Valley branch, you'll find ample parking available right outside the entrance, with ADA-compliant features such as ramps to ensure smooth access for all members. Whether you're visiting us for personal banking services or discussing loan options, we strive to provide a welcoming environment.

Contact Us

If you have any questions or need assistance before your visit, don't hesitate to give us a call at 845-561-5607. We're excited to serve you and help you achieve your financial goals. Come see us at Heritage Financial today!

Operating Hours

Our doors are open during convenient hours designed to fit your busy schedule. Visit us Monday through Thursday from 8:30 AM to 5 PM, Friday until 6 PM, and Saturday from 9 AM to 2 PM. Plus, we offer a 24-hour ATM for those times when you need cash after hours!

Services Offered

At Heritage Financial, we offer a range of services tailored to meet your needs, including checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. While you're here, feel free to ask about our personal loans and business banking solutions we're here to help!

Member Eligibility

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]( https://www.myaccountaccess.com/enroll/user ?appid=trancore&tenantid=icselan&channelid=web#/verifyenrollment ). 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!

Business Banking & Commercial Services

Merchant Services That Matter

Beyond loans, our merchant services simplify payment processing for your business. Imagine running a café where customers can pay easily with their mobile devices or debit cards, enhancing their experience and speeding up transactions. Our solutions help you focus on what you do best serving your customers. Located at 273 Route 32 Central Valley Ny 10917 in Central Valley, NY, we are ready to partner with you on your journey to success. Contact us today at (845) 561-5607 to explore how our business banking services can support your goals!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $23 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Options

At Heritage Financial, we also cater to local businesses with our comprehensive business banking services. From merchant services that make transactions smooth and efficient, to tailored business loans designed to support your growth, we're here to empower your entrepreneurial spirit.

Convenient Digital Banking Features

Understanding the importance of convenience in today's fast-paced world, we offer robust online and mobile banking features that allow you to manage your finances anytime, anywhere. Whether it's checking balances, making transfers, or paying bills from the comfort of your home or on the go, our digital solutions make banking easier than ever. Additionally, our ATM services provide quick access to cash whenever you need it.

Get Started Today!

With so many services available at Heritage Financial, there's something for everyone. We invite you to visit us at our Central Valley branch or explore more about what we offer online at heritagefcu.com. Let us partner with you on your financial journey because when it comes to banking, we believe in building lasting relationships based on trust and community support. Don't hesitate; give us a call today at 845-561-5607!

Personal Banking Solutions

When it comes to personal banking, we understand that each member has unique requirements. That's why we provide a variety of checking and savings accounts tailored to fit your lifestyle. Whether you're looking for a simple account to manage everyday expenses or a high-yield savings option to grow your funds, we've got you covered. If you're considering purchasing a new car or need financing for an existing vehicle, our auto loans and vehicle financing options make it easy to drive off in your dream car without breaking the bank. We also offer mortgage loans and refinancing solutions for those looking to buy their first home or refinance an existing mortgage for better rates.

Support for Your Financial Goals

For those unexpected expenses or plans requiring extra cash, our personal loans and debt consolidation services can help simplify your finances and give you peace of mind. Plus, with our credit cards featuring rewards, you can earn while you spend perfect for anyone who enjoys perks like cashback or travel points.

Digital & Online Banking

Enjoy the Benefits

With features like mobile payments, managing your finances has never been easier or more convenient. Imagine being able to make purchases directly from your phone while enjoying peace of mind knowing your data is protected. Our platform is user-friendly and designed with you in mind, ensuring a smooth experience whether you're checking your balance or making a payment. At Heritage Financial, we are dedicated to providing accessible banking solutions that empower you to take control of your financial life. Visit us today at https://heritagefcu.com/ and discover how our digital and online banking services can make managing your money effortless!

Key Features for Your Convenience

Our online banking service makes it easy to view your account balances, transfer funds, and pay bills with just a few clicks. Need to send money to a friend? Our person-to-person transfer feature lets you do that quickly and safely. Plus, if you're always on the move, our mobile application is available for download, making it even easier to manage your finances right from your smartphone. Security is a top priority at Heritage Financial. We offer electronic signature authorization, so you can complete transactions securely without the hassle of paperwork. Additionally, you can sign up for e-statements, which not only helps keep your information safe but also reduces clutter in your inbox.

Financial Strength

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 $1,103 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 $530,173, 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $136,495,006 in used vehicle loans and $64,992,205 in new vehicle loans already helping members get on the road. We make it easy for you to drive off with the car you want by providing flexible terms and competitive rates.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $82,179,666, make buying or refinancing simple. Whether you're a first-time buyer or looking to refinance your existing mortgage, we are here to guide you through every step of the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. Although currently there are no outstanding amounts in this category, our approach focuses on providing tools that help members manage their finances effectively when needed. In addition to these offerings, we provide refinancing options for those looking to adjust their current loan terms or consolidate debt. We encourage you to reach out for more details on eligibility and benefits tailored specifically for you. If you have any questions or would like more information about our loan products, please feel free to contact us at 845-561-5607 or visit us at 273 Route 32 Central Valley NY 10917. Our dedicated team is ready to assist you with your financial journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Your financial success is our priority at Heritage Financial!

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This commitment to transparency means that the information presented is based on the latest results (Source: https://www.ncua.gov ), ensuring fair offers for all users.

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, which provides a level of transparency that is crucial when making financial decisions. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results so that users can make informed choices without any hidden agendas. - Real-Time Rate Comparisons: The platform delivers up-to-date loan rates from multiple institutions, helping users quickly assess their options and choose wisely. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials reflect the reliability and effectiveness of this comparison tool. Ready to find the best rates for your needs? Compare real-time loan offers today at LendMesh. 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.

Heritage Financial