Heritage Financial Credit Union Middletown NY | Best Auto Loans & Mortgage Rates

Introduction

Welcome to Heritage Financial, where we believe in building a brighter financial future for our community. Located at 161 Dolson Ave 5, Middletown, NY 10940, we have been serving our members since 1940. With over 56,000 members and a strong commitment to providing exceptional service, we strive to be your trusted partner in all your financial needs. At Heritage Financial, we understand that each member's journey is unique. That's why we offer a variety of services tailored to meet your individual goals from personal banking solutions like checking and savings accounts to auto loans and mortgages. Our total assets amount to an impressive $721,218,176, reflecting our stability and reliability as a credit union. Additionally, our total deposits stand at $13,680,628, showcasing the trust our members place in us. Led by our dedicated CEO, Michael Ciriello, and Board President Kenneth Affeldt, our team of 161 employees is here to support you every step of the way. We pride ourselves on being more than just a financial institution; we're a community resource focused on helping you achieve your dreams. Whether you're looking for assistance with loans over 20,451 loans are currently active or seeking advice on saving strategies, we're here for you. While you can visit us at our branch location, if you need to send official correspondence, please use our mailing address: 25 Rykowski Lane, Middletown, NY 10941. We invite you to explore everything Heritage Financial has to offer by visiting our website at heritagefcu.com. Feel free to give us a call at 845-561-5607 for any inquiries or assistance. Join us today and experience the difference of being part of a member-focused credit union!

Branch History & Mission

Community Engagement

Our outreach efforts are an essential part of who we are. We actively engage with local organizations and participate in events that benefit Middletown residents. Whether it's supporting education programs or hosting financial literacy workshops, we believe in giving back and strengthening the bonds within our community.

Join Us Today!

We invite you to become part of the Heritage Financial family. Experience firsthand how we can help you achieve your financial dreams while being an integral part of a supportive community network. Visit us during our operating hours Monday through Thursday from 8:30 AM to 5 PM, Friday until 6 PM, and Saturday from 9 AM to 2 PM or call us at 845-561-5607 for any inquiries. Together, let's build a brighter financial future!

Our Evolution

Heritage Financial began its journey with a simple mission: to empower individuals and families through accessible financial resources. Over the decades, we have evolved alongside our members' needs. From expanding our range of personal banking products such as checking and savings accounts to offering competitive auto loans and mortgage options, we continually adapt to support our community's financial aspirations. Located at 161 Dolson Ave 5, our branch is easily accessible for all. Just a stone's throw from local landmarks, we are proud to be part of the vibrant Middletown community. While you can visit us at this address for in-person services, please send official correspondence to 25 Rykowski Lane, Middletown, NY 10941 if that differs from your visit.

Our Mission

At Heritage Financial, our mission extends beyond traditional banking; we strive to make a positive impact on every member's life. We believe in fostering financial well-being and promoting economic growth in our community. By offering personalized service and community-focused initiatives, we aim to build lasting relationships that help individuals achieve their goals. We are dedicated not only to providing top-notch financial products but also to enhancing accessibility through digital advancements like online banking and mobile applications. Our facilities comply with ADA standards ensuring that all members feel welcome and accommodated when they visit us.

Branch Location & Accessibility

Accessibility Features

At Heritage Financial, we prioritize accessibility for all our members. Our branch is ADA compliant, ensuring that everyone can easily navigate through our facilities. We offer ample parking right outside the entrance and features like ramps to make your visit hassle-free.

Contact Us

Have questions or need assistance? Feel free to give us a call at 845-561-5607. We're here to help you with any banking needs you may have. We look forward to welcoming you soon!

Operating Hours

We understand that your time is valuable. That's why we're open Monday through Thursday from 8:30 AM to 5 PM, Friday until 6 PM, and Saturday from 9 AM to 2 PM. Our drive-thru service extends those hours a bit further, providing additional convenience when you need it most.

Services Offered

Heritage Financial provides a variety of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgage refinancing, we have you covered. Plus, enjoy the ease of online and mobile banking options at your fingertips!

Member Eligibility

At Heritage Financial, we believe that everyone deserves a chance to be part of a supportive financial community. Joining us as a member is simple and rewarding! If you live, work, or worship in our local area, you are likely eligible to become part of our family. We welcome individuals from various backgrounds and professions, creating an inclusive environment for all. To find out more about the specific eligibility criteria, we invite you to visit our detailed page at . Opening an account with Heritage Financial is just as easy! You can begin your journey toward membership by following the straightforward steps outlined at https://www.myaccountaccess.com/enroll/user?appid=trancore&tenantid=icselan&channelid=web#/verifyenrollment . If you have any questions or need assistance during the process, don't hesitate to reach out to us at (845) 561-5607. We're excited to help you take this important step towards achieving your financial goals right here at 161 Dolson Ave 5 Middletown Ny 10940!

Business Banking & Commercial Services

Business Loans to Fuel Growth

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.

Merchant Services for Everyday Transactions

Imagine having a reliable partner to handle your payment processing while you focus on what you do best running your business. With our merchant services, you can accept payments efficiently, streamline transactions, and offer a better experience for your customers. This means faster checkouts and improved cash flow, which are vital for any thriving business. Located at 161 Dolson Ave 5, Middletown, NY 10940, we invite you to visit us or call us at 845-561-5607 to learn more about how we can support your business journey. Together, let's build a brighter future for your enterprise!

Comprehensive List Of Services

Convenient Access & Support

In addition to these offerings, we provide ATM services for quick cash withdrawals and balance checks whenever you need them. Our basic drive-thru banking allows for easy deposits and withdrawals without leaving your car ideal for busy days when time is of the essence.

Credit Cards & Business Banking

We also offer credit cards with rewards, allowing you to earn points on everyday purchases perfect for those who love to shop or travel. Our members can enjoy perks that come with responsible credit use. For business owners, Heritage Financial offers comprehensive business banking services, including merchant services and business loans. We understand that managing a business can be challenging; that's why we're here to support your financial journey with tailored solutions.

Get Started Today!

With so many convenient options available from friendly staff ready to assist you at our branch in Middletown to robust digital banking features you'll find everything you need at Heritage Financial. Have questions? Feel free to reach out at 845-561-5607 or visit us online at heritagefcu.com. Experience the difference today by joining our community-focused credit union!

Personal Banking Services

When it comes to personal banking, we have you covered. We offer checking and savings accounts that are designed with your lifestyle in mind. Imagine having easy access to your funds through our online and mobile banking platforms, which allow you to check balances, transfer money, and pay bills right from your phone. If you're considering buying a car or need a reliable mode of transportation, our auto loans and vehicle financing options make it simple to get behind the wheel with competitive rates and flexible terms. For those looking to invest in their dream home or refinance an existing mortgage, our mortgage loans and refinancing services provide personalized solutions tailored just for you. And if life throws unexpected expenses your way, our personal loans and debt consolidation options can help you regain control over your finances.

Digital & Online Banking

Convenient Online Banking Services

With our 24/7 online banking services, you can check your balance, pay bills, and transfer money at your convenience through our website at https://heritagefcu.com/ . Whether you're at home or on the go, managing your finances is just a few clicks away.

Mobile Banking Made Easy

Our mobile application brings banking directly to your fingertips. Enjoy the freedom to make mobile payments and person-to-person transfers effortlessly. Whether you're splitting dinner bills or sending money to a friend, our app makes it simple and fast.

Real-Time Account Management

Keeping tabs on your finances has never been easier. With our mobile app and online banking services, you can manage your accounts in real time. Check balances, review recent transactions, and get instant notifications so you're always in control. At Heritage Financial, we're committed to making banking accessible and user-friendly. Join us today and experience the benefits of modern banking that fits into your lifestyle!

Security You Can Trust

We prioritize your security with features like electronic signature authorization, ensuring that your transactions are safe and protected. You can also opt for e-statements, which not only help you keep track of your spending but also reduce paper clutter while keeping your information secure.

Financial Strength

Commitment to Growth

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.

Growing Membership Base

Total Share and Deposit Accounts stand at 63,685, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments total $31,189,985, reinforcing our capacity to support your financial needs. 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 161 Dolson Ave 5 Middletown Ny 10940 or call (845) 561-5607 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our performance is reflected in our $530,173, showcasing our operational efficiency. This 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.

Secure Savings Opportunities

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.

Strong Capital Foundation

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. Whether you're considering financing for a new or used vehicle, our terms are straightforward and designed to fit your budget.

Credit Lines and Personal Loans

In addition to auto and mortgage loans, we also provide flexible terms on unsecured credit card loans. While we currently have $0 in unsecured credit card loans available, our overall personal loan offerings are designed to help you manage unexpected expenses and daily financial needs effectively.

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. We're here to guide you through the process with flexible terms that can accommodate various financial situations. If you're looking at refinancing options as well, we can help make that transition smooth.

Summary of Offerings

If you're ready to take the next step toward fulfilling your financial goals or need assistance with refinancing options, don't hesitate to reach out. You can contact us at 845-561-5607 for more details or visit us at our branch located at 161 Dolson Ave 5 Middletown NY 10940. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Our dedicated team is here to help you navigate your borrowing needs with confidence!

Loan Aggregator

Ensuring Accurate 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 ensures fair and transparent offers that users can rely on when making important financial decisions. By focusing on verified data from legitimate institutions, LendMesh helps users avoid misleading or inflated offers.

Key Benefits of Using LendMesh

LendMesh provides several important benefits that enhance user trust: - Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency in the information provided. - No Sponsored Listings: Unlike other comparison tools, LendMesh does not prioritize lenders based on paid promotions. This commitment to unbiased results means users can trust they are seeing the best options available. - Real-Time Rate Comparisons: The platform delivers up-to-date loan rates from multiple institutions. This feature allows users to make informed decisions quickly, without having to sift through outdated or irrelevant information. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!"

Take Action Today

Compare real-time loan offers today at LendMesh and find the best rates for your needs. *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 CREDIT UNION - Middletown, NY