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

Introduction

Welcome to Heritage Financial, where we believe in building strong relationships with our members and the community. Located at 25 Rykowski Ln, Middletown, NY 10941, our branch has been serving you since 1940 with dedication and a commitment to your financial well-being. With a total membership of over 56,304 individuals, we pride ourselves on being a trusted partner for all your banking needs. At Heritage Financial, our assets have grown to an impressive $721,218,176, allowing us to offer a wide range of services tailored to meet your personal and business financial goals. We currently hold total loans amounting to 20,451, making it easier for you to get the funding you need for everything from auto purchases to home financing. Our mission goes beyond just numbers; it's about ensuring our members feel valued and supported. Under the leadership of CEO Michael Ciriello and Board President Kenneth Affeldt, we continuously strive to enhance your banking experience. Whether you're looking for checking accounts, auto loans, or mortgage refinancing options, we're here to help guide you every step of the way. If you need assistance or have any questions, don't hesitate to reach out. You can contact us at 845-561-5607 or visit our website at heritagefcu.com for more information. We look forward to serving you!

Branch History & Mission

Heritage Financial has been a cornerstone of the Middletown community since it first opened its doors in 1940. With a rich history that spans over eight decades, this credit union has evolved significantly, growing alongside the families and businesses it serves. Located at 25 Rykowski Ln, Middletown, NY 10941, our branch is not just a financial institution; it's a trusted partner in your financial journey. From humble beginnings, Heritage Financial has blossomed into a thriving credit union with over 56,000 members and total assets amounting to an impressive $721,218,176. Our commitment to providing exceptional financial services while maintaining a strong sense of community has been at the heart of our mission. We strive to empower our members through personalized banking solutions that cater to their unique needs from checking and savings accounts to auto loans and mortgage refinancing. Our mission goes beyond just offering financial products. At Heritage Financial, we believe in supporting our community and enhancing the lives of those we serve. We are dedicated to creating meaningful relationships with our members and actively engaging in local outreach initiatives. Whether it's sponsoring local events or partnering with organizations for charitable causes, we aim to make a positive impact in Middletown and beyond. While members can visit us at our branch location, official correspondence should be sent to 25 Rykowski Lane, Middletown, NY 10941 if different from the physical address mentioned. Our operating hours are designed to accommodate your busy schedule: 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 24-hour ATM access for those who need cash on the go. At Heritage Financial, we are committed to keeping pace with technological advancements that enhance your banking experience. Our online banking platform allows you to manage your finances conveniently from home or on your mobile device. Additionally, we ensure accessibility for all our members by complying with ADA standards. As we look towards the future, we invite you to join us on this exciting journey. Experience the benefits of being part of Heritage Financial where you're not just a member; you're family. Come visit us today or explore our website at heritagefcu.com for more information on how we can help you achieve your financial goals!

Branch Location & Accessibility

Accessibility Features

We understand the importance of accessibility for all our members. Our branch complies with ADA standards, ensuring that everyone can visit us comfortably. There are designated parking spaces available for those who need them, making your visit as smooth as possible.

Nearby Landmarks

You'll find us nestled near local favorites, making it easy to drop by while running errands or enjoying a day out. Just a short drive from the bustling shopping centers and parks in the area, our location is perfect for anyone in the community.

Operating Hours

Our doors are open Monday through Thursday from 8:30 AM to 5 PM, Fridays until 6 PM, and Saturdays from 9 AM to 2 PM. Please note that starting June 15th, we will be temporarily closed on Saturdays. We also offer a convenient ATM service available 24 hours a day for those times when you need cash quickly.

Services Offered

At Heritage Financial, we provide a range of services tailored just for you. From checking and savings accounts to auto loans and mortgage financing, our friendly staff is ready to assist you every step of the way. Although we currently do not have drive-thru services or shared service center availability, our team is dedicated to making your in-branch experience enjoyable. Feel free to give us a call at (845) 561-5607 if you have any questions or would like more information about what we offer. We invite you to stop by and see how we can help you achieve your financial goals!

Member Eligibility

At Heritage Financial, we believe that everyone deserves to be part of a supportive financial community. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the Middletown area, you're likely eligible to join us. We aim to create a space where your financial needs are understood and met with care. Plus, as a member, you'll enjoy access to a range of services tailored just for you, from checking accounts to auto loans and more. To learn more about the specific eligibility criteria, feel free to visit our website at . When you're ready to take the next step, opening an account is just as easy! You can start your application process by clicking 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, don't hesitate to reach out to us at (845) 561-5607. We're excited to welcome you into our Heritage Financial family at 25 Rykowski Ln, Middletown, NY 10941!

Business Banking & Commercial Services

Business 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.

Merchant Services

In today's competitive market, having reliable payment solutions is crucial. Our merchant services enable you to accept payments effortlessly, whether online or in-store. Imagine being able to serve your customers without worrying about transaction hiccups our services make that possible. Partner with us at Heritage Financial and discover how our business banking services can empower your company to thrive! For inquiries, reach out at (845) 561-5607 or visit us online at Heritage Financial Cu.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

For those times when cash is needed quickly, our convenient ATM and cash withdrawal services ensure you have access to your money whenever you need it. Our ATMs provide basic access for withdrawals and balance checks without any hassle. At Heritage Financial, we strive to create an environment where members feel valued and supported. Our dedicated team is always ready to answer questions or guide you through selecting the right products for your financial journey. Ready to explore how we can assist you further? Contact us at (845) 561-5607 or visit us online at https://heritagefcu.com/ today!

Business Banking Solutions

If you're a business owner, our business banking solutions include merchant services and business loans that can help streamline operations and promote growth. We know running a business comes with its challenges, so we're committed to offering personalized support tailored to your specific needs.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your accounts from anywhere. With just a few taps on your smartphone or clicks on your computer, you can check balances, transfer funds, and even pay bills all designed with ease of access in mind.

Credit Cards & Rewards

To make everyday purchases more rewarding, we also provide credit cards with rewards. Enjoy cash back or points towards travel it's a great way to maximize your spending power while enjoying the perks of membership at Heritage Financial Cu.

Personal Banking Services

Our personal banking services cater to both your current and future needs. We offer checking and savings accounts that help you manage your money effectively while earning interest on your savings. If you're considering purchasing a new vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms, making it easier for you to drive away in your dream car. For those looking to buy a home or refinance an existing mortgage, our mortgage loans and refinancing services are tailored to fit your budget and lifestyle. Additionally, if unexpected expenses arise or if you're looking to consolidate debt, our personal loans and debt consolidation services can offer the relief you need.

Digital & Online Banking

Accessibility and Real-Time Management

Heritage Financial's digital banking services not only enhance convenience but also empower you with real-time account management. Whether you're at home or out and about, monitoring your finances is straightforward and efficient. You can feel confident knowing that our systems are designed with your security in mind. Join us today at Heritage Financial and discover how our digital banking solutions can simplify your financial life!

Key Features of Our Digital Banking Services

With just a few clicks at https://heritagefcu.com/ , you can access our robust online banking platform. Enjoy 24/7 online banking services that allow you to check your balance, transfer funds, and pay bills without having to visit a branch. Our user-friendly mobile application also offers the same features right at your fingertips, making banking even more accessible. Need to send money to a friend or family member? Our person-to-person transfer feature allows for quick and easy payments. Plus, with electronic signature authorization available, signing important documents has never been easier or more secure. We prioritize your security with every transaction. That's why we provide e-statements that keep your account information private while allowing you to manage your finances effectively. And if you're always on the go, take advantage of our mobile payments feature for hassle-free transactions using just your smartphone.

Financial Strength

Investing 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 your financial goals with $76,114,015 in total loans and leases, including $7,614 in used auto loans.

Member Trust

Total Share 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 amount to $31,189,985, further enhancing our ability to support our community. 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 25 Rykowski Ln Middletown NY 10941 or call 845-561-5607 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is evident in our net income of $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, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Secure Savings Options

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 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 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.

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 provide competitive rates and flexible terms tailored to fit your budget.

Credit Lines and Unsecured Loans

For those who need extra flexibility in managing expenses, our credit lines total $236,796,916, giving you access to funds when you need them most. We also offer flexible terms on unsecured credit card loans; however, currently, there are no unsecured credit card loans issued. At Heritage Financial located at 25 Rykowski Ln Middletown Ny 10941, our team is ready to assist you in selecting the best loan product for your situation. You can reach us at 845-561-5607 for more information. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Whether it's a personal loan for debt consolidation or a business loan to fuel growth Heritage Financial is here for you every step of the way.

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 also offer refinancing options if you want to lower your monthly payments or tap into your home's equity.

Loan Aggregator

How LendMesh Ensures 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 ), ensuring fair and transparent offers. This commitment to sourcing means that users receive reliable information that reflects current market conditions.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions without confusion. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" 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