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

Introduction

Welcome to Heritage Financial, your trusted partner in navigating the world of finance right here in New Paltz, NY. Established in 1940, we have proudly served our community for over 80 years, building strong relationships with our 56,304 members. At our branch located at 1 Hawk Dr Bldg Sunyadminstration, New Paltz, NY 12561, we are dedicated to providing personalized banking solutions that cater to your unique needs. While members can visit us at our branch for face-to-face assistance, official correspondence should be sent to our mailing address at 25 Rykowski Lane, Middletown, NY 10941. We believe in transparency and accessibility, ensuring that you have all the resources you need. With total assets exceeding $721 million and deposits amounting to $13,680,628, we are committed to fostering financial stability and growth for our members. Our experienced team, led by CEO Michael Ciriello and Board President Kenneth Affeldt, works tirelessly to offer a variety of services including auto loans, mortgages, personal loans, and business banking solutions. At Heritage Financial, we understand that every member's financial journey is different. Whether you're looking to buy your first car or need help managing your investments, our knowledgeable staff is here to assist you every step of the way. With a robust loan portfolio of 20,451 loans and leases, we're well-equipped to support your aspirations. We invite you to explore all that we have to offer by visiting our website at heritagefcu.com or giving us a call at 845-561-5607. Let's work together towards achieving your financial goals!

Branch History & Mission

Heritage Financial has been a cornerstone of the community in New Paltz, NY, since it first opened its doors in 1940. With over eight decades of dedicated service, we have grown alongside our members, evolving to meet their financial needs while maintaining our commitment to community support and member satisfaction. Our branch is located at 1 Hawk Dr Bldg Sunyadministration, New Paltz, NY 12561, easily accessible for anyone in the area. At Heritage Financial, our mission is clear: we strive to provide exceptional financial services while fostering a sense of belonging among our members. Today, with a proud membership base of over 56,000 individuals and total assets exceeding $721 million, we are not just a credit union; we are a partner in your financial journey. We offer a wide range of services including personal banking, auto loans, mortgages, and business banking solutions that cater to diverse needs. As we look back on our history, we celebrate the milestones that have shaped us. From our humble beginnings serving local families to embracing modern technology with online and mobile banking options, every step has been taken with our members in mind. Our commitment extends beyond banking; we actively participate in community outreach initiatives that make a real difference in people's lives. While members can visit us at 1 Hawk Dr Bldg Sunyadminstration New Paltz Ny 12561, official correspondence should be sent to 25 Rykowski Lane, Middletown, NY 10941 in Middletown. Our operating hours are designed for your convenience: Monday, Wednesday, and Friday from 10 AM to 3 PM. We also offer 24-hour ATM access for those times when you need cash outside of regular hours. Our branch doesn't just focus on numbers; it emphasizes relationships. We believe that by providing quality service and maintaining transparency, we empower our members to achieve their financial goals. Whether you're looking for help with budgeting or need assistance with loans and credit cards, our knowledgeable staff is here to guide you every step of the way. Join us at Heritage Financial and experience firsthand how we prioritize your needs while giving back to the community. Visit us today or call us at (845) 561-5607 we can't wait to welcome you into the Heritage family!

Branch Location & Accessibility

Accessibility Features

At Heritage Financial, we prioritize accessibility for all members. Our branch is equipped with ADA-compliant features to ensure everyone can navigate our space with ease. We offer ample parking options right outside the building so that you can pop in quickly and conveniently.

Operating Hours

We understand that life gets busy! That's why we've tailored our operating hours to fit your schedule. You can drop by on Mondays, Wednesdays, and Fridays from 10 AM to 3 PM for in-person assistance. For those times when you need cash or account access outside of regular hours, we proudly provide 24-hour ATM services for your convenience.

Services Offered

Our team is here to help you with a wide range of services from personal banking options like checking and savings accounts to auto loans and credit cards with rewards. Whether you're looking to refinance your mortgage or explore business banking solutions, we've got you covered! If you're in the New Paltz area or just passing through, we invite you to stop by and experience the friendly service that sets us apart. If you have questions or need assistance before your visit, feel free to give us a call at 845-561-5607. We look forward to serving you!

Member Eligibility

At Heritage Financial, we believe that becoming a member is like joining a family where everyone supports each other. To be part of our community, you need to meet a few simple eligibility requirements. Generally, anyone who lives, works, worships, or attends school in the New Paltz area can join us. We welcome individuals from all walks of life and are dedicated to helping you achieve your financial goals. You can find more details about the eligibility criteria on our website at . Opening an account with us is straightforward and designed to make you feel right at home. Whether you're interested in checking and savings accounts, loans, or other services, we're here to guide you through every step of the process. If you're ready to take the next step or have any questions, don't hesitate to call us at (845) 561-5607. For online enrollment, check out this link: https://www.myaccountaccess.com/enroll/user ?appid=trancore&tenantid=icselan&channelid=web#/verifyenrollment . We can't wait for you to join us at 1 Hawk Dr Bldg Sunyadministration New Paltz Ny 12561!

Business Banking & Commercial Services

Commercial 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. These loans can be used for various purposes buying equipment, expanding facilities, or managing cash flow during slow seasons. Imagine having the financial backing to seize new opportunities as they arise!

Merchant Services

In addition to loans, we offer comprehensive merchant services that streamline payment processing for your business. Picture this: you've just made a sale, and with our easy-to-use payment solutions, funds are transferred quickly and securely. This allows you to focus on what matters most growing your business. At Heritage Financial, we're dedicated to being more than just a financial institution; we aim to be your partner in success. For more information about our offerings or to get started on your application, visit us today at 1 Hawk Dr Bldg Sunyadminstration New Paltz Ny 12561 or give us a call at (845) 561-5607!

Comprehensive List Of Services

Convenient Access Anytime

We know that convenience is key when it comes to banking. That's why we offer ATM and cash withdrawal services, ensuring that you have access to your money whenever you need it. With basic ATM access available for withdrawals and balance checks, managing your finances has never been simpler. At Heritage Financial, we're more than just a credit union; we're a community partner dedicated to helping you achieve financial success. If you're interested in learning more about how we can assist you with any of these services or if you'd like to open an account, please give us a call at (845) 561-5607 or visit us online at Heritage Financial Cu. Take control of your financial journey today!

Home Financing Solutions

When it comes to securing a place to call home, we offer various mortgage loans and refinancing options. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through every step of the process, ensuring that you find the right solution for your budget.

Personal Banking Made Easy

Our personal banking services include checking and savings accounts tailored to fit your lifestyle. Imagine having the convenience of accessing your funds anytime through our online and mobile banking options, where you can easily manage your accounts from the comfort of your home or on-the-go. If you're looking to purchase a new vehicle, our auto loans and vehicle financing programs offer competitive rates, making it easier for you to hit the road with confidence.

Simplifying Borrowing

Life can throw unexpected expenses your way, and that's where our personal loans and debt consolidation services come into play. We aim to make borrowing straightforward and accessible so you can focus on what truly matters. Plus, with our credit cards featuring rewards programs, you can earn while you spend!

Supporting Local Businesses

For our business members, we provide comprehensive banking solutions including merchant services and business loans. Our goal is to support local businesses like yours with flexible financing options that can help you grow.

Digital & Online Banking

Key Features

Our online banking service allows you to take control of your finances with real-time account management. You can enjoy the convenience of e-statements, which are not only environmentally friendly but also help you keep track of your transactions without the clutter of paper. Plus, with our electronic signature authorization, signing important documents has never been simpler or more secure. If you're always on the go, you'll love our mobile application. It offers all the functionalities you need right at your fingertips, including mobile payments. This feature makes it easy to pay for purchases directly from your phone no cash or cards needed. Additionally, our person-to-person transfer option allows you to send money to friends and family quickly and securely.

Security and Accessibility

Your security is our priority. Our online banking services are equipped with advanced security measures to protect your information while giving you peace of mind. With user-friendly features and intuitive navigation, managing your finances digitally is straightforward and hassle-free. At Heritage Financial, we strive to provide accessible solutions that fit into your lifestyle. Whether you're checking your balance from home or making a quick payment while out and about, our digital banking services empower you to manage your money with confidence. Discover how easy banking can be by visiting us today!

Financial Strength

Efficient Operations

Our net income of $530,173 reflects 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 team.

Growing Membership Base

With a total of 63,685 share accounts, our growing member base shows that more people trust us with their finances. The funds available for lending and investments stand at $31,189,985, which highlights our capability to support your needs effectively. In 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 1 Hawk Dr Bldg Sunyadminstration New Paltz NY 12561 or call 845-561-5607 to learn more about how we can help you achieve your financial goals.

Reinvestment for 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 your financial goals with $7,614 in used auto loans and a total of $614,105,015 in loans and leases available.

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 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 new or used vehicle, our experienced team is here to assist you every step of the way.

Credit Lines and Personal Loans

Our total credit lines amount to $236,796,916, giving members flexible options for managing their finances. If you're looking for extra cash flow for personal needs or consolidating debt, we can help you find a solution that fits your budget.

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, allowing you to invest in your future comfortably. Whether you're purchasing your first home or looking to refinance an existing mortgage, we provide personalized support throughout the process.

Refinancing Options

If you're considering refinancing any existing loans or would like to explore eligibility options for our loan products, please don't hesitate to reach out. Our team is ready to discuss how we can best meet your needs. For more information about our loan offerings or to get started on your application today, feel free to call us at 845-561-5607 or visit us at 1 Hawk Dr Bldg Sunyadminstration New Paltz NY 12561. You can also check our website at Heritage Financial for details on all our services. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let Heritage Financial be your partner on your journey toward financial success!

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans. Although there are currently no outstanding unsecured credit card loans reported at this time, our goal is to help members manage their finances effectively through competitive offerings when available.

Loan Aggregator

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Heritage Financial