Heritage Financial Credit Union Newburgh NY | Top Auto Loans & Business Banking

Introduction

At Heritage Financial, we believe in more than just numbers; we believe in building relationships that empower our community. Located at 2 Corwin Ct, Newburgh, NY 12550, our branch has been serving members since 1940. With a robust membership base of over 56,000 and total assets exceeding $721 million, we are committed to providing personalized financial solutions tailored to your needs. While members can visit us at our Newburgh location, official correspondence should be sent to 25 Rykowski Lane, Middletown, NY 10941. Our dedicated team of 161 employees, led by CEO Michael Ciriello and Board President Kenneth Affeldt, works tirelessly to ensure you receive exceptional service every time you connect with us. With total loans amounting to 20,451 and deposits reaching $13,680,628, we pride ourselves on fostering a secure financial environment for all our members. Our commitment is reflected in our net worth of $79,605,093 and cash reserves of $6,035,364, which stand as a testament to our stability and reliability. We offer a comprehensive range of services including personal banking options like checking and savings accounts, auto loans, mortgage refinancing, business banking solutions, and convenient online banking features. Whether you're looking for a new vehicle or planning for your future home, we're here to support your financial journey. Come visit us today or give us a call at 845-561-5607. Experience the difference that a member-focused credit union can make in your life! For more information about our services, check out our website at heritagefcu.com.

Branch History & Mission

Commitment to Community

Our roots run deep in Newburgh and the surrounding areas. We actively participate in community outreach initiatives that aim to uplift local families and support various causes. Whether it's partnering with schools for financial literacy programs or sponsoring local events, Heritage Financial strives to be a cornerstone of support in every neighborhood we serve. With accessible ATM availability and extended operating hours Monday through Thursday from 8:30 AM to 5 PM, Friday until 6 PM, and Saturday from 9 AM to 2 PM our branch ensures that banking is convenient for everyone.

Join Us

We invite you to experience the benefits of being a member of Heritage Financial. With personalized service and a commitment to your financial well-being, we are here for you every step of the way. Come visit us or contact us at (845) 561-5607 today! Together, let's build a brighter financial future for you and your family.

Our Journey

From humble beginnings, Heritage Financial has blossomed into a vital financial institution with a membership that now exceeds 56,000. Our total assets have reached an impressive $721,218,176, demonstrating our stability and capacity to serve our members effectively. Over the years, we have embraced change while staying true to our core values of integrity, service, and community support. As we evolved through the years, we introduced various services tailored to meet the diverse needs of our members. We offer personal banking solutions such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Additionally, we support local businesses with merchant services and business loans. Our commitment to innovation is evident through online and mobile banking options that allow members to manage their finances conveniently from anywhere.

Our Mission

At Heritage Financial, our mission is straightforward: to provide exceptional financial services while making a positive impact on the communities we serve. We believe in empowering individuals by offering them not just financial products but also the guidance they need to achieve their goals. We are dedicated to fostering a sense of belonging among our members and ensuring that everyone has access to quality financial resources. While members can visit us at 2 Corwin Ct for all their banking needs including convenient drive-thru service we also welcome official correspondence sent to our mailing address at 25 Rykowski Lane, Middletown, NY 10941.

Branch Location & Accessibility

Welcome to Heritage Financial, your friendly neighborhood credit union located at 2 Corwin Ct in Newburgh, NY. We're conveniently situated near popular local spots, making it easy for you to stop by and take care of your banking needs. Whether you're heading home from work or enjoying a day out in the community, our branch is designed for your convenience. While members can visit us at 2 Corwin Ct, official correspondence should be sent to 25 Rykowski Lane, Middletown, NY. Our location offers ample parking and is fully accessible, featuring ramps and ADA-compliant entrances to ensure everyone can visit us with ease. We understand that life gets busy, so we've tailored our operating hours to fit your schedule. You can visit us Monday through Thursday from 8:30 AM to 5 PM, Friday until 6 PM, and Saturday from 9 AM to 2 PM. Need to access cash outside these hours? No problem! Our ATM is available 24/7 for your convenience. For those who prefer drive-thru banking, we offer a drive-thru service that makes quick transactions even easier just swing by during our lobby hours or use the drive-thru for deposits and withdrawals without leaving your car. At Heritage Financial, we provide a range of services designed to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgage refinancing, we are here to support you every step of the way. If you have any questions or need assistance, feel free to give us a call at 845-561-5607. Our team is ready to help you with anything you need. We can't wait to welcome you into our branch!

Member Eligibility

At Heritage Financial, we believe that everyone deserves access to financial resources and support. Joining our community is simple and welcoming! To become a member, you just need to meet a few friendly eligibility criteria. Primarily, residents of certain areas or those who work in specific industries are invited to join. This means if you live or work near Newburgh, NY, you're likely eligible! For the most detailed and updated information about who can join us, feel free to check out our eligibility page at . Once you're ready to take the next step, opening an account is a breeze. You can start your membership journey by visiting us online at https://www.myaccountaccess.com/enroll/user?appid=trancore&tenantid=icselan&channelid=web#/verifyenrollment, where you'll find everything you need for a smooth application process. If you have any questions or want to talk to someone directly, don't hesitate to call us at (845) 561-5607. We can't wait to welcome you into the Heritage Financial family at our branch located at 2 Corwin Ct Newburgh Ny 12550!

Business Banking & Commercial Services

Financing Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $23 in non-member commercial loans, providing flexible financing solutions. Imagine being able to invest in new equipment or hire additional staff without financial strain. That's what our loans can do for you. With the right funding, your business can thrive and reach new heights.

Merchant Services That Matter

In addition to loans, we offer merchant services designed to simplify transactions and enhance customer experiences. From payment processing to point-of-sale systems, our solutions help you manage your sales effortlessly, allowing you to focus on what you do best running your business. Join us at Heritage Financial, located at 2 Corwin Ct Newburgh Ny 12550 in Newburgh, NY, and discover how our tailored services can make a difference for your business today! For more information, give us a call at (845) 561-5607.

Comprehensive List Of Services

Connect With Us Today!

With all these services at hand, it's clear that Heritage Financial is committed to enhancing your financial experience. Our friendly staff is ready to assist you 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. You can reach us at 845-561-5607 for any inquiries or visit us online at Heritage Financial to learn more about what we can do for you. Join us at Heritage Financial where your financial well-being is our top priority!

Convenient Access Anytime

In today's fast-paced world, convenience is key. That's why we also provide ATM & Cash Withdrawal Services, ensuring that you can access your money whenever you need it. For quick transactions like deposits and withdrawals, take advantage of our Basic Drive-Thru Banking, which makes banking hassle-free without leaving your vehicle.

Flexible Financing Options

When it comes to financing your dreams, we have you covered. Need a new car? Our Auto Loans & Vehicle Financing make it simple for you to hit the road in style. If you're considering buying a home or refinancing an existing mortgage, our Mortgage Loans & Refinancing solutions provide competitive rates and personalized service to guide you every step of the way. For those unexpected expenses or plans you've been putting off, our Personal Loans & Debt Consolidation options can help you manage your budget effectively. Plus, enjoy rewards with our Credit Cards with Rewards that give back while you spend.

Personal Banking Made Easy

We understand that managing your finances can sometimes feel overwhelming. That's why our Personal Banking options are tailored to fit your lifestyle. Whether you are looking to open a Checking or Savings Account, we offer accounts that cater to everyday needs and long-term savings. Imagine easily accessing your funds with our Online & Mobile Banking features, which allow you to check balances, pay bills, and transfer money right from your smartphone.

Support for Business Owners

If you're a business owner in the community, our Business Banking services offer essential tools like Merchant Services & Business Loans. We know how important it is for businesses to thrive, so we're here to support your journey with accessible banking solutions.

Digital & Online Banking

Key Features

With our 24/7 online banking services, you can access your accounts whenever it suits you. Just visit https://heritagefcu.com/ to get started! Our platform allows you to check balances, pay bills, and transfer funds with just a few clicks. You'll never have to worry about long lines or waiting for bank hours again. Security is our top priority. We utilize advanced encryption and other security measures to ensure that your information stays safe while you're banking online. Plus, with electronic signature authorization, signing important documents has never been simpler or more secure.

Mobile Banking

Our mobile application makes banking on the go a breeze. With features like mobile payments, you can make purchases right from your phone without the need for cash or cards. Want to send money to a friend? Our person-to-person transfers feature lets you do just that quickly and conveniently. If you prefer going paperless, you'll appreciate our e-statements option. Receive your statements directly in your inbox no clutter, no hassle! At Heritage Financial, we're committed to providing accessible and easy-to-use banking solutions that fit your lifestyle. Experience the freedom of managing your finances at your convenience with our digital and online banking services today!

Financial Strength

A Growing Community

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 2 Corwin Ct Newburgh Ny 12550 or call (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.

Committed 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.

Member-Centric 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.

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.

Solid Financial Position

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 provide 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 purchasing a new or used vehicle, our flexible terms make it easier than ever to drive away with confidence.

Credit Lines and Personal Loans

For those looking for additional flexibility in their finances, we offer credit lines with a total value of $236,796,916. These lines provide an easy way to access funds when you need them most without the hassle of reapplying each time.

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 help navigate the complexities of home financing so you can focus on what matters most your new home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans; while currently totaling $0, this product is designed to help members manage their finances effectively without needing collateral. If you're considering refinancing your existing loans or exploring eligibility options for any of our products, our team is here to assist you every step of the way. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Heritage Financial, we're committed to providing our members with reliable service and quality loan products that fit their unique needs. Come visit us today and see how we can help you take the next step in your financial journey!

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