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

Introduction

Welcome to Heritage Financial, your trusted credit union located at 211 S Plank Rd, Newburgh, NY 12550. Established in 1940, we take pride in serving our community with dedication and reliability. With over 56,304 members and total assets exceeding $721,218,176, we are committed to providing personalized financial services tailored to meet your needs. At Heritage Financial, we understand that banking is more than just numbers it's about building relationships and supporting our members' financial journeys. Our team of 161 employees, led by CEO Michael Ciriello and Board President Kenneth Affeldt, works tirelessly to ensure you receive the best service possible. We offer a variety of services, including personal banking accounts, auto loans, mortgage financing, and business banking solutions. While members can visit us at our Newburgh branch, official correspondence should be sent to 25 Rykowski Ln, Middletown, NY 10941. With total deposits amounting to $13,680,628 and a net worth of $79,605,093, you can trust that your finances are in capable hands. Join us today at Heritage Financial or give us a call at 845-561-5607 to discover how we can help you achieve your financial goals! Visit our website at heritagefcu.com for more information on our services and membership options. We're here for you every step of the way!

Branch History & Mission

Heritage Financial has a rich history rooted in community support and financial empowerment. Established in 1940, our branch, located at 211 S Plank Rd, Newburgh, NY 12550, has been a cornerstone for many families and individuals seeking reliable financial services. Over the years, we have grown from humble beginnings to proudly serving over 56,304 members with total assets amounting to an impressive $721,218,176. From the start, Heritage Financial was founded on the principle of providing accessible banking options to everyone in our community. Our mission is clear: we strive to empower our members through personalized financial solutions while making a positive impact on the lives of those around us. We believe that when you succeed, we all succeed. Our commitment extends beyond just banking. We engage actively with local organizations and initiatives to foster community growth and support. Whether it's sponsoring local events or partnering with schools for educational programs, we are dedicated to building a stronger Newburgh. In addition to traditional banking services like checking and savings accounts, auto loans, mortgages, and credit cards with rewards, we have embraced technology to enhance your experience. With features such as online banking and mobile payments available, managing your finances has never been easier. For those who prefer face-to-face interactions, our drive-thru service allows quick access for deposits and withdrawals without leaving your vehicle. Our ATM is also available 24/7 for your convenience. While members can visit us at 211 S Plank Rd, official correspondence should be sent to 25 Rykowski Ln, Middletown, NY 10941 if you need to reach us by mail. We invite you to join Heritage Financial and experience the many benefits we offer. With operating hours that accommodate your schedule Monday through Thursday from 8:30 AM to 5 PM, Friday until 6 PM, and Saturday from 9 AM to 2 PM you'll find that banking with us is not just about transactions; it's about relationships. For more information or to become a member today, call us at 845-561-5607 or visit our website at Heritage Financial. Let us help you achieve your financial dreams!

Branch Location & Accessibility

Welcome to Heritage Financial, located at 211 S Plank Rd, Newburgh, NY 12550. Our branch is easy to find and is conveniently situated near popular landmarks, making your visit a breeze. Whether you're coming from the bustling heart of Newburgh or nearby towns, we're just a short drive away! At Heritage Financial, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and parking spaces, ensuring everyone can easily access our services. If you need assistance, our friendly staff is always ready to help. We're here for you during the following 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. Please note that on Saturdays starting June 15th, our lobby will be closed after 1 PM, but our drive-thru remains open until 2 PM for your convenience. For those who prefer banking on-the-go, we offer a 24-hour ATM right outside our branch. It's perfect for quick cash withdrawals or balance checks whenever you need them! Plus, with our drive-thru service available for deposits and simple transactions, you can manage your banking needs without leaving your vehicle. If you have any questions or want to learn more about what we offer such as personal banking options like checking and savings accounts or various loan services please don't hesitate to give us a call at 845-561-5607. We are excited to assist you in achieving your financial goals! While members can visit us at 211 S Plank Rd, official correspondence should be sent to 25 Rykowski Ln, Middletown, NY 10941. We look forward to welcoming you soon at Heritage Financial!

Member Eligibility

At Heritage Financial, we believe in the power of community and welcome you to become a part of our family. Joining us is simple and open to anyone who lives, works, worships, or attends school in our vibrant area. If you're looking for a financial partner that genuinely cares about your needs and goals, you've come to the right place! You can enjoy a range of benefits like personalized service, competitive rates on loans and savings accounts, and access to various financial products designed just for you. To find out more about the specific eligibility requirements, feel free to check out our detailed information here. When you're ready to take the next step and open an account, it's as easy as visiting this link: [Account Opening]( https://www.myaccountaccess.com/enroll/user ?appid=trancore&tenantid=icselan&channelid=web#/verifyenrollment ). If you have any questions or need assistance, don't hesitate to reach out to us at (845) 561-5607. We're here to help you every step of the way!

Business Banking & Commercial Services

Business Loans That Empower Growth

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. Additionally, we support the broader business community with $23 in non-member commercial loans, providing flexible financing solutions. These loans can help you purchase equipment, manage cash flow, or invest in new projects that drive your business forward.

Merchant Services That Simplify Transactions

Imagine running your daily operations without worrying about payment processing delays. Our merchant services offer convenient solutions that allow you to accept payments quickly and securely. This not only enhances customer satisfaction but also helps streamline your cash flow essential for any thriving business. At Heritage Financial, located at 211 S Plank Rd Newburgh NY 12550, we're dedicated to helping businesses like yours succeed. Contact us today at 845-561-5607 to explore how our business banking and commercial services can support your goals!

Comprehensive List Of Services

Business Banking

For business owners, Heritage Financial provides essential tools like merchant services and business loans. We understand that running a business comes with its own set of challenges, and we're here to support you with financial solutions tailored specifically for entrepreneurs.

Conclusion

No matter what stage you're at in life whether saving for a vacation, buying a home, or managing a business Heritage Financial is here to provide the financial tools and support you need. Explore our comprehensive suite of services today! For more information or to get started on an account, visit us online at heritagefcu.com or call us at 845-561-5607. Let's build your financial future together!

Credit Cards

Looking for rewards while you spend? Our credit cards with rewards allow you to earn points for every purchase, making each transaction more rewarding. Whether it's groceries or gas, use your card and watch the benefits add up.

Drive-Thru Services

Sometimes all you need is quick access for basic transactions. With our drive-thru banking, handling deposits and withdrawals has never been easier. Just pull up and let us take care of the rest!

Online & Mobile Banking

In today's fast-paced world, convenience matters. Our robust online and mobile banking services give you access to your accounts anytime, anywhere. Pay bills, transfer funds, or check balances all from the palm of your hand! Plus, our ATM services ensure that cash withdrawal is always within reach.

Personal Banking

When it comes to personal banking, we offer a variety of options that cater to your everyday needs. From checking and savings accounts that help you manage your daily finances effectively to auto loans and vehicle financing that make purchasing your dream car easier, we've got you covered. Imagine driving off in a new vehicle with a loan designed just for you! Our mortgage loans and refinancing options provide the flexibility you need when buying or refinancing your home. With competitive rates and personalized service, we help simplify the process. Additionally, if you're looking to consolidate debt or fund a special project, our personal loans are designed to meet those needs without the stress.

Digital & Online Banking

Accessibility and Real-Time Management

Managing your money should be straightforward and accessible. With our mobile payments feature, you can make purchases directly from your phone perfect for those times when you're out and about. And if you're ever in need of help or support, our dedicated team is just a call away at (845) 561-5607. At Heritage Financial, we strive to make banking as easy as possible for our members. Experience the freedom of real-time account management and enjoy peace of mind knowing that your financial information is protected with us. Sign up today at https://heritagefcu.com/ and take control of your banking experience!

Key Features

Our online banking service provides 24/7 access to your accounts, so you can check balances, transfer funds, and pay bills whenever it suits you. Plus, our mobile application makes it even easier to manage your finances from your smartphone. You can also enjoy the convenience of person-to-person transfers, allowing you to send money quickly and easily to friends or family members. We prioritize security and ease-of-use. With electronic signature authorization, you can sign documents digitally without the hassle of printing or mailing them. E-statements are available as well, giving you an eco-friendly way to stay updated on your account activity without the clutter of paper statements.

Financial Strength

Growing Membership Base

Total Share Accounts stand at 63,685, showcasing 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 211 S Plank Rd 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.*

Member-Centric Savings

Your savings are our priority. 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 operational efficiency is reflected 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.

Reinventing 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 members' financial goals across various sectors with $7,614 in used auto loans and an impressive total of $614,105,015 in loans and leases.

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 are considering a brand-new vehicle or a trusted pre-owned option, we have financing solutions that make it easy for you to drive away happy.

Credit Lines and Unsecured Credit Cards

For those looking for flexibility, we provide credit lines totaling $236,796,916. This allows you to access funds when you need them most without the hassle of applying for a new loan each time. Additionally, we also offer flexible terms on unsecured credit card loans; however, currently there are no active unsecured credit card loans issued. At Heritage Financial, we believe that everyone deserves access to affordable financing options. If you're interested in refinancing or exploring eligibility options for any of our loan products, please don't hesitate to reach out. You can contact us at 845-561-5607 or visit us at 211 S Plank Rd Newburgh NY 12550. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here to help you navigate your financial journey with confidence!

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 various terms and conditions to ensure you find the right fit for your budget.

Loan Aggregator

Ensuring 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 ). This ensures that all offers presented are fair and transparent. Each lender featured on the platform has been vetted for legitimacy, providing users with peace of mind that they are looking at credible options.

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 delays. Thousands of users trust LendMesh for their loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial illustrates how effective the platform can be in helping individuals secure better financial terms. If you're looking to compare real-time loan offers, visit LendMesh today to 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