Heritage Financial Credit Union New Paltz NY | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Heritage Financial, your trusted partner in the heart of New Paltz, NY. Nestled at 234 Main St Ste 6B, we have been dedicated to serving our community since 1940. With a proud membership of over 56,304 individuals, we focus on providing personalized financial services tailored to meet your needs. Our commitment extends beyond numbers; it's about building relationships and making a positive impact in the lives of our members. At Heritage Financial, we believe that everyone deserves access to quality banking services. That's why we have amassed total assets of $721,218,176 and maintain robust financial stability with a net worth of $79,605,093. We offer a variety of products, including auto loans and personal banking services designed to empower you financially. Currently, our total loans stand at 20,451, and we proudly manage total deposits amounting to $13,680,628. Led by our CEO, Michael Ciriello, and Board President Kenneth Affeldt, our dedicated team of 161 employees is here to assist you every step of the way. You can count on us for expert advice and friendly service whether you're looking for mortgage options or simply need help managing your accounts. While members can visit us at our branch location in New Paltz, official correspondence should be directed to our mailing address at 25 Rykowski Lane, Middletown, NY 10941. We invite you to explore how Heritage Financial can make a difference in your financial journey. Feel free to reach out via phone at 845-561-5607 or visit us online at heritagefcu.com. Your financial wellness is just a conversation away!

Branch History & Mission

Community Engagement

We are deeply committed to giving back to the community that has supported us throughout the years. Our outreach programs focus on local initiatives that enhance education and provide resources for those in need. From sponsoring local events to partnering with schools and nonprofits, Heritage Financial actively participates in making New Paltz a better place for all its residents. As we look toward the future, we invite you to join us on this journey. Experience the benefits of being a member of Heritage Financial where your financial success is our top priority. Whether you're looking for a loan or simply want more information about how we can help you manage your money better, don't hesitate to reach out or visit us during our operating hours: 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. Together, let's build a brighter financial future! Call us at (845) 561-5607 or visit heritagefcu.com today!

Our Mission

Heritage Financial's mission is simple yet profound: to empower our members through financial education and tailored products that promote their well-being. We believe in supporting not just individual goals but also uplifting the entire community through various outreach efforts and partnerships. By focusing on responsible lending and financial literacy programs, we aim to help our members achieve financial independence. In addition to our core services, we are proud to offer modern conveniences such as online and mobile banking options that make managing finances easier than ever. With an ATM available 24/7 for withdrawals and balance checks, members can access their funds when they need them most. We prioritize accessibility with ADA-compliant facilities and strive to create a welcoming environment for everyone. While you can visit us at our branch location, official correspondence should be sent to our mailing address at 25 Rykowski Lane, Middletown, NY 10941 if it differs from your visit.

Branch Location & Accessibility

Convenient Access and Parking

Our location offers ample parking, making it easy for you to stop by whenever you need assistance. We also prioritize accessibility for all our members, ensuring that our facilities are ADA compliant with ramps and other features designed for your convenience.

Get in Touch

Have questions or need assistance? Don't hesitate to call us at 845-561-5607. We invite you to come see how Heritage Financial can support your financial goals. Stop by today we look forward to welcoming you!

Operating Hours That Fit Your Schedule

At Heritage Financial, we know that banking should fit into your busy life. That's why our lobby hours are designed with flexibility in mind: we're open 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. If you're on the go, don't forget about our convenient 24-hour ATM available for cash withdrawals and balance checks.

Services Designed For You

Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, we have you covered. Our dedicated team is here to help you navigate your financial journey with services that include personal loans, credit cards with rewards, and business banking solutions. While members can visit us at our branch in New Paltz, official correspondence should be sent to our mailing address at 25 Rykowski Lane, Middletown, NY.

Member Eligibility

Joining the Heritage Financial community is like finding a new family that truly cares about your financial journey. At our branch located at 234 Main St Ste 6B, New Paltz, NY 12561, we welcome anyone who lives, works, worships, or attends school in our local area. This means that if you're part of our vibrant community, you're likely eligible for membership! By becoming a member, you'll gain access to a variety of financial services tailored just for you, from checking and savings accounts to loans and credit cards. Plus, you'll enjoy lower fees and better rates compared to traditional banks. Becoming a member is easy! For more details on eligibility criteria, feel free to check out this resource: . When you're ready to open an account and start your journey with us, visit https://www.myaccountaccess.com/enroll/user ?appid=trancore&tenantid=icselan&channelid=web#/verifyenrollment or give us a call at (845) 561-5607. We can't wait to welcome you into our Heritage Financial family!

Business Banking & Commercial Services

Merchant Services That Work

Imagine a busy café on Main Street; they need efficient ways to accept payments from their customers. With our merchant services, businesses like this can easily process transactions and keep things running smoothly. Our services provide quick access to funds and valuable insights into sales trends, helping owners make informed decisions. Whether you're looking to expand your operations or streamline your payment processes, Heritage Financial is here to help you thrive. Come visit us at 234 Main St Ste 6B New Paltz Ny 12561 or call us at (845) 561-5607 to discover how we can support your business journey!

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

For small business owners, we offer specialized services through our Business Banking solutions. This includes essential tools like Merchant Services and business loans designed to help you grow and succeed in your endeavors.

Convenient Access

Accessing your accounts has never been easier with our ATM & Cash Withdrawal Services available 24/7. You can conveniently withdraw cash, check balances, and more without having to visit the branch during operating hours. Our friendly staff is also available during lobby hours: 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. At Heritage Financial, we pride ourselves on being more than just a financial institution; we aim to be a partner in your financial success. If you have any questions about our services or want assistance in choosing the right option for you, don't hesitate to reach out at (845) 561-5607. We're here to help you every step of the way! Visit us today at our website for more information or to get started with any of our services!

Credit Cards

Our Credit Cards with Rewards program offers more than just spending power; it rewards you for your purchases! Whether it's cash back on everyday items or points toward travel, we have options that suit different lifestyles and preferences.

Loans and Financing

If you're considering purchasing a new car or refinancing your home, our Auto Loans & Vehicle Financing options can make that dream vehicle a reality. With competitive rates and flexible terms, we ensure that financing is accessible. Additionally, our Mortgage Loans & Refinancing services can help you navigate the process of buying or refinancing a home without the usual stress. If you're facing unexpected expenses or need some extra cash for a project, our Personal Loans & Debt Consolidation options are here to assist you. These loans can provide the relief you need while allowing you to manage your payments effectively.

Personal Banking

For everyday banking needs, our Personal Banking services include checking and savings accounts that help you manage your money effectively. Whether you're saving for a vacation or just looking to keep track of your daily expenses, our accounts are designed for ease of use. Imagine being able to check your balance or transfer funds right from your phone through our Online & Mobile Banking features it's as easy as tapping a few buttons!

Digital & Online Banking

Key Services

With our [online banking](https://heritagefcu.com/) platform, you can access your accounts 24/7. Whether you need to check your balance, transfer funds, or pay bills, everything is just a few clicks away. Our user-friendly interface ensures that even those who aren't tech-savvy can navigate with ease. For added convenience, we provide e-statements that allow you to view and download your account statements digitally. Say goodbye to paper clutter while enjoying the peace of mind that comes with secure electronic storage. Plus, with electronic signature authorization, signing documents has never been easier or more secure no need for printing or mailing. If you're always on the go, our mobile application keeps your finances at your fingertips. You can make mobile payments, send money through person-to-person transfers, and manage your accounts right from your smartphone. This feature is perfect for quick transactions without the hassle of visiting a branch. Security is paramount in everything we do. Our online banking services include advanced security measures to protect your personal information. Enjoy peace of mind knowing that your financial data is safe with us. In summary, Heritage Financial combines accessibility with ease-of-use through our digital banking features. From managing your accounts online at any time to making transactions via our mobile app, we ensure that your banking experience is both efficient and secure. Join us today and discover how easy it can be to manage your finances!

Financial Strength

Committed Team

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. Total Share Accounts have reached 63,685, showing a strong and growing member base that trusts us with their finances.

Conclusion

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 234 Main St Ste 6B New Paltz NY 12561 or call us at 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.

Investing Back into Our Community

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 total loans and leases reaching $614,105,015. Our operational efficiency is reflected in our net income of $530,173, which enables us to continue offering competitive loan rates and solid financial products for our members.

Member-Focused Savings

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.

Our 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. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have options available that suit your budget.

Credit Lines and Personal Loans

For those looking for flexible borrowing solutions, our total credit lines amount to $236,796,916. These lines are perfect for managing expenses as they arise or funding personal projects without the hassle of traditional loans. We also provide unsecured credit card loans; however, currently, there are no outstanding amounts in this category. This means if you're looking to manage your finances effectively with flexible terms on a credit card loan option, we're here to discuss possibilities.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $82,179,666, making it easier for you to secure the financing you need for your dream home.

Refinancing Options

If you already have existing loans but are looking for better terms or lower rates, we can help guide you through our refinancing options. Our team is ready to assist with any questions you might have regarding eligibility and the benefits of refinancing. At Heritage Financial, we're committed to helping our members navigate their financial journeys with confidence. For more information about our loan offerings or to speak with one of our representatives directly, please call us at 845-561-5607. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us online at Heritage Financial to explore more about how we can assist you!

Loan Aggregator

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Heritage Financial