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

Introduction

Welcome to Heritage Financial, your trusted partner in financial wellness located at 17 Walnut St, Montgomery, NY 12549. Established in 1940, we have proudly served our community for over eight decades, fostering a culture of trust and commitment to our members. With a growing membership of 56,304 individuals, we are dedicated to providing personalized banking solutions tailored to meet your unique needs. At Heritage Financial, we believe that your financial journey should be supported by solid resources. Our total assets stand at an impressive $721,218,176, ensuring that we have the capacity to offer a wide range of services. Whether you're looking for auto loans where we've facilitated over 20,451 loans or exploring savings options with total deposits reaching $13,680,628, our team is here to help you achieve your financial goals. While you can visit us at our branch location for face-to-face assistance, please note that all official correspondence should be sent to our mailing address: 25 Rykowski Lane, Middletown, NY 10941. Under the leadership of CEO Michael Ciriello and Board President Kenneth Affeldt, our experienced staff of 161 employees is committed to ensuring your banking experience is smooth and efficient. We also take pride in maintaining strong financial health with a net worth of $79,605,093 and cash reserves amounting to $6,035,364. Our comprehensive suite of services includes personal banking options such as checking and savings accounts, auto loans and vehicle financing, mortgage loans, credit cards with rewards, and business banking solutions. Plus, with convenient online and mobile banking capabilities, managing your finances has never been easier. We invite you to reach out or visit us! For any inquiries or assistance, don't hesitate to call us at 845-561-5607. Experience the difference with Heritage Financial where your financial success is our priority!

Branch History & Mission

Join Us

As we continue this journey together with our members and community partners, we invite you to experience the benefits of being part of Heritage Financial. Join us today and discover how together we can achieve your financial goals while making a positive impact in Montgomery! For more information about joining or accessing our services, feel free to call us at 845-561-5607 or visit our website at heritagefcu.com. Your future starts here!

Our Journey

Heritage Financial began its journey with a simple mission: to provide accessible financial services to our community. Over the decades, we have evolved from a small local institution into a robust member-focused credit union. Our growth reflects not only our commitment to sound banking practices but also our dedication to enhancing the lives of those we serve. As we expanded, so did our services. Today, we offer a wide range of products including checking and savings accounts, auto loans, mortgages, and business banking solutions. We have embraced modern technology by providing online and mobile banking options to ensure our members can access their accounts anytime and anywhere.

Our Mission

At Heritage Financial, our mission is clear: we aim to empower our members through exceptional financial services while fostering a sense of community. We believe in the power of people helping people. This mission drives us to support various local initiatives and partnerships that benefit the Montgomery area. We are committed to being more than just a bank; we strive to be a vital part of the community's fabric. Whether it's sponsoring local events or supporting educational programs, we take pride in giving back.

Visit Us

While members can visit us at 17 Walnut St, official correspondence should be sent to 25 Rykowski Lane, Middletown, NY 10941 if different from the branch address. For those looking for convenience in banking, we offer drive-thru services as well as ATM availability for easy access to funds. Our operating hours are designed with you in mind: Monday through Thursday from 8:30 AM to 5 PM, Fridays until 6 PM, and Saturdays from 9 AM to 2 PM.

Branch Location & Accessibility

Accessibility Features

At Heritage Financial, we prioritize making banking easy for everyone. Our branch features ADA-compliant access points and ramps, ensuring that all members can navigate comfortably. Parking is readily available for your convenience, allowing you to park close to the entrance without hassle.

Come Visit Us!

Our friendly team is eager to assist you with all your banking needs. If you have questions or would like more information about our services before visiting, don't hesitate to call us at 845-561-5607. We look forward to welcoming you into our Heritage Financial family!

Operating Hours

We're here to serve you with flexible operating hours designed around your busy life. Visit us 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. Please note that our lobby closes early at 4 PM on weekdays; however, our drive-thru remains open until 5 PM for your convenience. On Saturdays during summer months, we adjust our hours slightly for lobby access from 9 AM to 1 PM.

Services Offered

Heritage Financial offers a variety of services tailored just for you. From personal banking accounts and auto loans to mortgage options and credit cards with rewards, we've got what you need under one roof. Need quick cash? Our ATM is available 24/7 for withdrawals and balance checks. Plus, if you prefer the ease of drive-thru banking for simple transactions like deposits or withdrawals, we've got you covered there too!

Member Eligibility

Becoming a member of Heritage Financial is like stepping into a welcoming community where your financial needs are truly understood. If you live, work, worship, or attend school in our service area, you're likely eligible to join us! At Heritage Financial, we believe that everyone deserves access to quality financial services tailored to their unique circumstances. To get started, simply check out the detailed eligibility criteria at , where you can find all the specifics on how to become part of our family. Once you've confirmed your eligibility, opening an account is easy and convenient just follow the instructions found here: https://www.myaccountaccess.com/enroll/user?appid=trancore&tenantid=icselan&channelid=web#/verifyenrollment . If you have any questions or need assistance, feel free to reach out to us at (845) 561-5607. We can't wait to welcome you!

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 fast-moving market, having reliable merchant services can make all the difference. Imagine a busy Saturday where your customers can easily pay for their purchases without any hassle. Our merchant services are here to simplify transactions, allowing you to focus on what you do best running your business. Visit us at 17 Walnut St Montgomery Ny 12549 in Montgomery, NY, or give us a call at (845) 561-5607 to learn how we can help fuel your business ambitions!

Comprehensive List Of Services

Business Banking

For small business owners, we understand that managing finances can be challenging. That's why we offer comprehensive business banking services, including merchant services and business loans designed to help your business thrive.

Digital Banking Features

In today's fast-paced world, convenience is key. With our online and mobile banking, managing your finances has never been easier. You can check balances, transfer funds, and pay bills anytime, anywhere right from your smartphone or computer. Our ATM services also allow for easy cash withdrawals and balance checks without the need to visit a branch physically.

Drive-Thru and ATM Services

Need to make a quick transaction? Our basic drive-thru banking enables you to handle deposits, withdrawals, and simple transactions without leaving your vehicle. Additionally, our ATM service provides quick access for cash withdrawals and balance inquiries around the clock. We invite you to explore all these services at Heritage Financial Cu. If you have any questions or want more information about how we can assist you further, please don't hesitate to reach out at 845-561-5607. We're here to help guide you on your financial journey! Visit us today or check out our website at heritagefcu.com.

Loans and Credit Options

Sometimes life throws unexpected expenses your way. Our personal loans and debt consolidation options are here to provide you with quick access to funds when you need them most. Plus, with our credit cards that come with rewards, you can earn benefits while making everyday purchases.

Personal Banking

Whether you're just starting your financial journey or looking to manage your wealth, our personal banking services have you covered. We offer various checking and savings accounts designed to fit different lifestyles. For those considering a new vehicle, our auto loans and vehicle financing options provide competitive rates that can help you drive away in the car of your dreams. If homeownership is on your mind, our mortgage loans and refinancing services can make the process smooth and manageable.

Digital & Online Banking

Key Features

We prioritize your security with features like electronic signature authorization, making it easy for you to sign documents securely without the hassle of printing. You'll also enjoy the convenience of e-statements no more paper clutter! Our members appreciate having their statements delivered directly to their inboxes, keeping everything organized. If you're looking to send money quickly to friends or family, our person-to-person transfer feature makes this process as easy as sending a text message. You can also take advantage of mobile payments just tap and go at your favorite stores! Whether you prefer using a desktop or a smartphone, Heritage Financial has got you covered with an array of digital tools that cater to your lifestyle. Experience the freedom of managing your finances effortlessly with our reliable online banking solutions. Join us today and see how easy it is to stay connected with your money!

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 is substantial; with $7,614 in used auto loans and $614,105,015 in total loans and leases, we support our members' financial goals across various sectors.

Growing Member Base

Total Share 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 17 Walnut St Montgomery Ny 12549 or call (845) 561-5607 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $530,173 reflects our operational efficiency, 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, 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.

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 provide financing options for both new and used vehicles to suit your needs.

Credit Lines and Unsecured Loans

For those looking for more flexible borrowing solutions, we have total credit lines available amounting to $236,796,916. Additionally, while we currently do not offer unsecured credit card loans, our range of personal loans can help manage your finances 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 offer competitive rates and flexible terms to help you secure your dream home without stress.

Refinancing Options

If you're interested in refinancing existing loans or exploring eligibility options for any of our loan products, please reach out to us directly at 845-561-5607. Our knowledgeable staff is ready to assist you with tailored solutions that fit your situation. At Heritage Financial, we're dedicated to providing our members with straightforward lending solutions and exceptional service. Our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Ready to take the next step? Visit us at 17 Walnut St Montgomery NY 12549, or contact us today!

Loan Aggregator

Accurate Loan Comparisons

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Take Action

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HERITAGE FINANCIAL CREDIT UNION - Montgomery, NY