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

Introduction

Welcome to Heritage Financial, your trusted partner in personal and business banking since 1940. Located at 103104 Clowes Avenue, Goshen, NY 10924, we have built a strong reputation for providing exceptional financial services tailored to meet the needs of our diverse community. With over 56,000 members and total assets reaching an impressive $721,218,176, we are dedicated to helping you achieve your financial goals. At Heritage Financial, we pride ourselves on our commitment to our members. Our team, led by CEO Michael Ciriello and Board President Kenneth Affeldt, is here to offer personalized support every step of the way. We understand that navigating finances can be challenging, which is why we provide a wide range of services including checking and savings accounts, auto loans, mortgages, and business banking solutions. While you can visit us at our branch location in Goshen for all your banking needs, please note that official correspondence should be directed to our mailing address at 25 Rykowski Lane, Middletown, NY 10941. With a focus on community impact and member satisfaction, we have built a solid foundation over the years. Our total deposits stand at $13,680,628, showcasing the trust our members place in us. Additionally, with a net worth of $79,605,093 and cash in hand totaling $6,035,364, we are well-equipped to support your financial journey. We invite you to reach out to us at 845-561-5607 or explore more about our offerings on our website: heritagefcu.com. Whether you're looking for assistance with personal loans or want to learn more about our services for businesses, we're here for you! Visit us today and discover how Heritage Financial can help you thrive.

Branch History & Mission

Heritage Financial has been a cornerstone of the Goshen community since its establishment in 1940. Over the years, we have grown alongside our members, adapting to their needs while remaining true to our mission of providing exceptional financial services and fostering community support. With a total membership of over 56,000 individuals, we have built lasting relationships and trust within our community. Located at 103104 Clowes Avenue, Goshen, NY 10924, our branch stands ready to serve you. Our convenient location near local landmarks makes it easy for members to visit us for their banking needs. For official correspondence, please send mail to 25 Rykowski Lane, Middletown, NY 10941. Heritage Financial is proud to hold total assets of approximately $721 million, reflecting our strong financial health and commitment to our members. We offer a variety of services including checking and savings accounts, auto loans, mortgages, personal loans, business banking solutions, and more. Our drive-thru service and ATM availability ensure that banking with us is as convenient as possible. Our mission is clear: we strive to empower our members by providing them with the tools they need to achieve their financial goals. We are dedicated not just to offering financial products but also to enhancing the overall well-being of our community through various outreach programs and partnerships. As we continue moving forward in this digital age, we've embraced technology by offering online banking, mobile payments, and electronic statements. This ensures that our members can access their accounts anytime and anywhere while enjoying a user-friendly experience. At Heritage Financial, we believe in giving back. We actively participate in community events and initiatives that strengthen our ties with local organizations. Our goal is not only to help our members succeed financially but also to contribute positively to the world around us. We invite you to join us on this journey! Experience firsthand the benefits of becoming a member of Heritage Financial. Whether you're looking for a new bank or simply want better options for your current financial situation, we're here for you. Visit us today or call us at 845-561-5607 for more information about how we can assist you on your financial journey. Together, let's build a brighter future!

Branch Location & Accessibility

Getting Here and Parking

Our branch is designed with accessibility in mind. We offer ample parking right outside the entrance, ensuring that you can easily find a spot whether you're visiting us for a quick transaction or a more in-depth discussion about your financial options. The facility is ADA compliant, featuring ramps and wide entrances to welcome everyone.

Operating Hours

We understand that your time is valuable, which is why we strive to be available when you need us most. Our lobby hours are Monday through Thursday from 8:30 AM to 5 PM, Friday from 8:30 AM to 6 PM, and Saturday from 9 AM to 2 PM. For those who prefer drive-thru banking, we're open until 5 PM on weekdays and until 1 PM on Saturdays. Please note that while our lobby closes at various times during the week, our drive-thru remains open later for your convenience.

Services Offered

At Heritage Financial, we take pride in offering a wide range of services tailored just for you. From personal banking options such as checking and savings accounts to auto loans and mortgage refinancing, we have solutions that fit every financial need. Our drive-thru service allows you to conduct simple transactions like deposits and withdrawals without leaving your vehicle. Plus, with our ATM available 24/7, accessing your funds has never been easier. If you have any questions or would like more information about our services, feel free to give us a call at 845-561-5607. We're excited to assist you in achieving your financial goals! While members can visit us at 103104 Clowes Avenue, official correspondence should be sent to 25 Rykowski Lane, Middletown, NY 10941. We look forward to welcoming you soon!

Member Eligibility

At Heritage Financial, we believe that becoming a member is like joining a family where everyone supports one another. If you're looking to become part of our community, it's easier than you might think! Membership is open to those who live, work, worship, or attend school in the areas we serve. This means if you're nearby or have connections to our community, you likely qualify. Joining us not only gives you access to a range of financial services but also allows you to benefit from competitive rates and personalized service tailored just for you. To get started, all you need to do is visit us at our location on 103104 Clowes Avenue Goshen Ny 10924, or give us a call at (845) 561-5607 for more details. You can also check out the specific eligibility criteria by visiting our website here: . Once you're ready, opening an account is quick and simple! Just follow this link for account opening details: https://www.myaccountaccess.com/enroll/user ?appid=trancore&tenantid=icselan&channelid=web#/verifyenrollment . We can't wait to welcome you into the Heritage Financial family!

Business Banking & Commercial Services

Merchant Services

In today's fast-paced marketplace, effective payment processing is crucial. That's why we offer comprehensive merchant services tailored for your business needs. From credit card processing to mobile payment options, our solutions ensure you can accept payments easily and efficiently. This means fewer hassles and more time focusing on what matters growing your business. Visit us at 103104 Clowes Avenue Goshen Ny 10924 in Goshen, NY, or call us at (845) 561-5607 to learn how we can help your business thrive!

Comprehensive List Of Services

ATM Access and Drive-Thru Services

For those times when you need cash or want to complete simple transactions quickly, we provide ATM & Cash Withdrawal Services, ensuring easy access to your funds whenever needed. Our basic drive-thru banking allows for deposits, withdrawals, and other simple transactions without leaving your vehicle perfect for busy days! At Heritage Financial in Goshen, NY, we strive to be more than just a credit union; we aim to be your trusted partner in achieving financial wellness. Explore how our comprehensive list of services can benefit you today by visiting us online at heritagefcu.com. Whether you're ready to open an account or need guidance on loans, our team is excited to assist you on your financial journey!

Credit Cards and Business Services

We know rewards matter too. With our Credit Cards with Rewards, you can earn points on everyday purchases that lead to exciting benefits! If you're a business owner, our Business Banking services including merchant services and business loans are designed to support the growth of your enterprise.

Digital Banking Solutions

In today's fast-paced world, convenience is key. Our robust Online & Mobile Banking features allow you to manage your accounts from anywhere at any time. Whether it's transferring funds or checking balances on the go, our digital tools make banking simpler than ever.

Loans and Financing

When it comes to financing your dreams, our Auto Loans & Vehicle Financing options can get you behind the wheel of a new car without the stress of complicated terms. If you're looking to purchase a home or refinance your existing mortgage, our Mortgage Loans & Refinancing services are tailored to fit various budgets and situations. Additionally, we offer Personal Loans & Debt Consolidation options that empower you to take control of your finances and simplify your payments.

Personal Banking

We understand that managing your personal finances can be challenging. That's why we offer Personal Banking services that include checking and savings accounts designed to help you grow your money and access it easily when needed. Imagine having a straightforward checking account that helps you track your spending while also building savings for future goals whether it's a vacation, home renovation, or just a rainy day fund.

Digital & Online Banking

Key Features

Managing your accounts is a breeze with features like electronic signature authorization, which allows you to complete transactions without needing to visit a branch. You can also enjoy e-statements for quick access to your financial statements without the clutter of paper. If you're someone who loves using mobile payments, you'll be pleased to know that we offer this feature too, letting you pay for purchases right from your smartphone. Our person-to-person transfer option makes sending money to friends or family effortless. Just a few taps on your screen and the money is on its way! All these features are designed with ease-of-use in mind so that you can focus on what really matters. Security is paramount at Heritage Financial. We take every measure to ensure that your information remains safe while allowing you to manage your accounts in real time. With us, you can bank confidently knowing that you're protected. Explore all these great services and more by visiting https://heritagefcu.com/ today! Your financial journey starts here, and we're excited to be part of it.

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 63,685, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $31,189,985. 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 103104 Clowes Avenue Goshen Ny 10924 or call (845) 561-5607 to learn more about how we can help you achieve your financial goals.

Members’ Savings Secured

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.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $530,173, which enables 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in Member Services

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 members' financial goals across various sectors with $7,614 in used auto loans and $614,105,015 in total loans and leases.

Solid Financial Health

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.

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 financing simple and stress-free so you can focus on enjoying your ride.

Credit Lines

For those who need ongoing access to funds for various expenses or emergencies, we offer credit lines totaling $236,796,916. This allows you to borrow as needed while only paying interest on what you use. If you're considering refinancing or exploring eligibility options for any of our products, our knowledgeable team is here to help. You can reach us at 845-561-5607 for more information or visit us at our branch located at 103104 Clowes Avenue Goshen NY 10924. At Heritage Financial, we're dedicated to providing solutions that empower our members financially. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore your options today!

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 straightforward. We provide personalized service to guide you through every step of the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. While currently we have a total of $0 in these loans, we are committed to helping our members manage their finances effectively with competitive rates and terms when they become available.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This means you can trust that the offers you see are fair and transparent. Each loan comparison reflects genuine rates offered by reliable lenders, helping you find the most suitable options for your needs.

Heritage Financial