Heritage Financial Credit Union Pine Bush NY | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to Heritage Financial, your trusted credit union located at 36 Boniface Dr, Pine Bush, NY 12566. Established in 1940, we have proudly served our community for over 80 years, helping our 56,304 members achieve their financial goals. With a robust asset base of $721,218,176, and total deposits amounting to $13,680,628, we are dedicated to providing you with exceptional banking services tailored to your needs. At Heritage Financial, we understand that every member's journey is unique. Whether you're looking for auto loans or personal banking solutions, our experienced team is here to guide you every step of the way. Under the leadership of CEO Michael Ciriello and Board President Kenneth Affeldt, we strive to foster a welcoming environment where trust and reliability are at the forefront of everything we do. While members can visit us at our Pine Bush branch for all their banking needs, official correspondence should be sent to our mailing address at 25 Rykowski Lane, Middletown, NY 10941. We encourage you to explore our website at heritagefcu.com for more information on our services. With over 161 employees committed to serving you and a strong net worth of $79,605,093, we are equipped to support both personal and business financial endeavors. Our total loans stand at 20,451, demonstrating our commitment to facilitating growth within the community. We invite you to visit us or give us a call at 845-561-5607 today! Let's work together towards building a brighter financial future.

Branch History & Mission

Heritage Financial has been a cornerstone of the Pine Bush community since it first opened its doors in 1940. From humble beginnings, this credit union has grown into a trusted financial partner for over 56,000 members, providing essential services that support both personal and community growth. Located at 36 Boniface Dr, Pine Bush, NY 12566, Heritage Financial is conveniently situated near local landmarks, making it accessible for all who seek reliable banking solutions. Over the decades, Heritage Financial has evolved to meet the changing needs of its members. With total assets now exceeding $721 million, the credit union has made significant strides in expanding its offerings from checking and savings accounts to auto loans and mortgage refinancing. Each milestone reflects our commitment to adapting to the financial landscape while maintaining a strong focus on member satisfaction. At the heart of Heritage Financial's mission is a dedication to empowering individuals and families in our community. We believe that everyone deserves access to affordable financial services and resources that help them achieve their goals. Our mission is clear: to provide exceptional banking experiences while fostering community support through various outreach initiatives. This includes partnerships with local organizations and programs designed to uplift those in need. While members can visit us at 36 Boniface Dr, official correspondence should be sent to 25 Rykowski Lane, Middletown, NY 10941 if different from the branch address. We are proud to offer convenient features like a drive-thru service and an ATM for easy access to your funds, along with robust online and mobile banking options that ensure you can manage your finances anytime, anywhere. Our operating hours reflect our commitment to serving our community effectively: Monday through Thursday from 8:30 AM to 5 PM, Friday until 6 PM, and Saturday from 9 AM to 2 PM. During summer months, we adjust Saturday hours for added convenience. As we look toward the future, Heritage Financial remains focused on innovation while honoring our rich legacy. Join us today and become part of a community-oriented credit union where your financial well-being matters. Experience firsthand how we can help you thrive whether it's through personalized banking solutions or our ongoing commitment to community development. Together, we can build a brighter financial future!

Branch Location & Accessibility

Local Landmarks and Accessibility

Our branch is situated near several local landmarks, making it a convenient stop for anyone in the area. If you're visiting us, you might find yourself close to popular spots like the scenic Pine Bush Park or the vibrant downtown area. We strive to make your visit as smooth as possible with ample parking available right outside our doors. Heritage Financial is designed with accessibility in mind. We comply with ADA standards, ensuring that everyone can easily access our services. Our facility features ramps and wide entrances for wheelchair users and those with mobility challenges.

Operating Hours and Services

We understand that life can get busy, so we offer flexible hours to accommodate your schedule. Our lobby is open Monday through Thursday from 8:30 AM to 5 PM, Fridays until 6 PM, and Saturdays from 9 AM to 2 PM. Please note that on Saturdays during summer, we will be closing early at 1 PM starting June 15th. If you need assistance after hours, our drive-thru service remains open until 5 PM on weekdays and until 1 PM on Saturdays. At Heritage Financial, we provide a variety of services tailored to meet your banking needs. From personal checking and savings accounts to auto loans and mortgage refinancing, our friendly staff is ready to assist you with any financial inquiries. Plus, enjoy the convenience of our ATM services available around the clock for quick cash withdrawals and balance checks.

Visit Us Today!

We invite you to stop by Heritage Financial today! Whether you're looking for a new account or need assistance with an existing one, our dedicated team is here to help. Have questions? Feel free to call us at 845-561-5607. We look forward to welcoming you into our community-oriented credit union!

Member Eligibility

Becoming a member of Heritage Financial is like joining a caring family where your financial well-being is the top priority. At our Pine Bush branch located at 36 Boniface Dr Pine Bush Ny 12566, we welcome individuals who live, work, worship, or attend school in our community. Whether you're a first-time account holder or looking to switch your banking to a more personalized experience, we have something for everyone. Membership offers you access to a variety of services, from checking and savings accounts to loans and online banking tools designed just for you. Opening an account with us is straightforward and welcoming. You can start the process online by visiting our account opening page here: 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 give us a call at (845) 561-5607. For more detailed eligibility criteria, feel free to check out our website at . We're excited to help you on your journey towards financial success!

Business Banking & Commercial Services

Merchant Services That Work for You

In today's fast-paced market, accepting payments efficiently is crucial. Our merchant services help you process transactions seamlessly, whether you're running a storefront or an online shop. This means more satisfied customers and improved cash flow for your business. Located at 36 Boniface Dr Pine Bush Ny 12566 in Pine Bush, NY, we invite you to visit us or give us a call at (845) 561-5607 to explore how we can help your business thrive!

Tailored Loan Solutions

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. Imagine being able to invest in new equipment or hire additional staff without worrying about upfront costs. Our loans empower you to take those essential steps forward.

Comprehensive List Of Services

Business Banking Solutions

For local entrepreneurs, we have a dedicated suite of services under business banking. From merchant services that streamline payments to various types of business loans, we understand what it takes to support small businesses in our community.

Convenient Access

With our drive-thru banking, you can quickly make deposits or withdrawals without leaving your car. Our basic ATM access allows for easy cash withdrawals and balance checks any time of day. Plus, if you prefer handling things online, our digital tools ensure you're never far from your financial information. We're here to help every step of the way! If you have questions about any of our services or would like personalized assistance, don't hesitate to reach out at (845) 561-5607. Join us at Heritage Financial Cu, where we prioritize your financial well-being and strive to make every interaction a positive one! Visit us today at 36 Boniface Dr Pine Bush Ny 12566, and let's start working towards your financial goals together!

Credit Cards with Rewards

Don't forget about our credit cards with rewards! These cards not only simplify your spending but also earn you points on everyday purchases. Use them for groceries, gas, or even online shopping, and watch those rewards add up!

Loans and Financing

Need a new car? Look no further than our auto loans and vehicle financing options. We make it easy for you to hit the road with competitive rates that suit your budget. If you're dreaming of owning a home, check out our mortgage loans and refinancing services that can help turn that dream into reality. Additionally, for those unexpected expenses or consolidating debt, our personal loans provide quick access to funds when you need them most.

Personal Banking

When it comes to personal banking, we offer various options tailored to fit your lifestyle. Our checking and savings accounts are designed to help you manage your money effortlessly. Imagine being able to access your funds anytime through our online and mobile banking services. With features like mobile payments and easy balance checks at our ATMs, managing your finances is more convenient than ever.

Digital & Online Banking

Key Services

Our online banking platform allows you to check balances, transfer funds, and pay bills with just a few clicks. If you prefer using your smartphone, our mobile application brings all these features right to your pocket. You can even make mobile payments easily, making it simple to pay for purchases without needing cash or cards. Need to send money to a friend? Our person-to-person transfer feature lets you do just that, hassle-free. Plus, for those who prefer the convenience of paperless statements, e-statements are available so you can view your account information securely online.

Security and Accessibility

Your security is our top priority. We use electronic signature authorization for transactions, ensuring that your personal information remains safe while you bank online. Our user-friendly interface means that navigating through your accounts is straightforward, allowing you to manage your finances efficiently. Whether you're at home or on the go, the tools at Heritage Financial provide real-time account management so you can stay in control of your finances whenever you need to. Join us today and experience the convenience of digital banking!

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 further demonstrated by the $7,614 in used auto loans and $614,105,015 in total loans and leases. This robust portfolio supports members' financial goals across various sectors.

Growing Member Trust

We have established trust within our community, as reflected in our strong member base with a total of 63,685 share accounts. This shows that many individuals trust us with their finances. 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 36 Boniface Dr Pine Bush Ny 12566 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.

Operational Efficiency

Our efforts yield results as shown by our $530,173, reflecting 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, committed team.

Robust 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.

Secure Savings Opportunities

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.

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 want a brand-new model or a reliable used vehicle, our team is here to assist you through every step of the process.

Credit Options

We also provide flexible terms on unsecured credit card loans. While currently totaling $0, these options can help you manage your finances effectively when they become available. Furthermore, if you're interested in refinancing or checking eligibility options for any of our loan products, don't hesitate to reach out!

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, designed for those ready to take the next step in their housing journey.

Summary

Heritage Financial is committed to supporting your financial success through tailored lending solutions. For more information about our loan offerings or to speak with one of our knowledgeable representatives, give us a call at 845-561-5607. Remember that 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 us help you take the next step towards your financial future!

Loan Aggregator

Ensuring Accurate Loan 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 commitment ensures that users receive fair and transparent offers. LendMesh prioritizes verified data, so users can trust that the loan options presented are legitimate and reliable.

Key Benefits of Using LendMesh

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Heritage Financial