Heritage Financial Credit Union Wappingers Falls NY | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to Heritage Financial, your trusted partner in financial growth located at 1476 Route 9D, Wappingers Falls, NY 12590. Since our establishment in 1940, we have been dedicated to serving our community with a commitment to transparency and personalized service. With over 56,304 members relying on us, we take pride in offering a range of financial services tailored to meet your needs. At Heritage Financial, our total assets amount to an impressive $721,218,176, reflecting our strong position in the market. We understand the importance of your hard-earned money; that's why we've secured $13,680,628 in deposits and maintain a healthy net worth of $79,605,093. Our team has worked diligently to provide loans totaling 20,451 to help you achieve your dreams whether it's purchasing a new vehicle or consolidating debt. While members can visit us at our branch location for all their banking needs, official correspondence should be directed to our mailing address: 25 Rykowski Ln, Middletown, NY 10941-4019. Our dedicated staff of 161 employees, led by CEO Michael Ciriello and Board President Kenneth Affeldt, is here to support you every step of the way. We are not just about numbers; we believe in making a positive impact on our community. Our commitment extends beyond banking we strive to foster relationships built on trust and mutual success. Ready to take the next step? Whether you're looking to open an account or need assistance with loans and mortgages, don't hesitate to reach out! Call us at 845-561-5607 or explore more about our services at heritagefcu.com. Join us today and experience the difference that dedicated financial service can make in your life!

Branch History & Mission

Community Engagement

Heritage Financial believes in being an active part of the community. We regularly host events and participate in local initiatives aimed at improving the lives of those around us. Whether it's sponsoring local sports teams or offering financial literacy workshops, we strive to make a positive impact.

Join Us Today!

If you're looking for a financial partner that genuinely cares about your success and well-being, look no further than Heritage Financial. Experience firsthand how we combine reliable financial services with a strong sense of community spirit. Visit us today or call us at (845) 561-5607 for more information on how you can become part of our growing family!

Our Evolution

Since our inception, Heritage Financial has been dedicated to enhancing the financial well-being of our community. We started small but quickly expanded our offerings beyond traditional banking services to include auto loans, mortgages, personal loans, and more. Our commitment to community support has also driven us to engage in various outreach programs and partnerships that give back to the local area. As technology advanced, so did we. Today, our members benefit from a wide range of digital tools such as online banking and mobile payments, making banking easier than ever. We also ensure that our services are accessible to everyone by adhering to ADA compliance standards.

Our Mission

At Heritage Financial, our mission is clear: we aim to empower our members with the financial tools they need for success while fostering a sense of community. We focus on delivering personalized service and building lasting relationships with each member. Whether you need assistance with savings accounts or require financing options for your next vehicle purchase, we're here to support you every step of the way. While members can visit us at 1476 Route 9D Wappingers Falls Ny 12590, official correspondence should be sent to 25 Rykowski Ln, Middletown, NY 10941-4019 if different from the branch address. Our team is available 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. We also provide drive-thru banking for your convenience.

Branch Location & Accessibility

Accessibility and Convenience

At Heritage Financial, we understand that convenience matters. Our branch features ample parking space and is fully accessible with ADA-compliant ramps and pathways, ensuring everyone can visit us comfortably. If you're in need of quick banking services, our drive-thru is available for basic transactions like deposits and withdrawals. We also have an ATM on-site that's accessible 24/7 for your convenience.

Connect With Us

For any questions or assistance, feel free to reach out at (845) 561-5607. Our dedicated team is ready to help with personal banking needs such as checking and savings accounts, auto loans, mortgage loans, and more. We invite you to stop by and experience the personalized service that sets Heritage Financial apart!

Operating Hours

We're here to serve you during flexible 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, we offer special summer hours until 1 PM. While our lobby closes at different times throughout the week, you can always rely on our drive-thru service for extended access in the late afternoons. If you need to send official correspondence, please note that while you can visit us at our branch address, official mail should be directed to our mailing address at 25 Rykowski Ln, Middletown, NY.

Member Eligibility

At Heritage Financial, we believe that everyone deserves a chance to be part of a supportive and thriving community. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in Dutchess County, or if you're related to someone who is already a member, you're likely eligible to join us. We offer a variety of benefits tailored to our members, including competitive rates on loans and savings accounts, personalized service, and access to a range of financial products designed with your needs in mind. Ready to take the next step? Opening an account is easy! Just visit our website for more details on how to become a member at Heritage Financial. You can also call us at (845) 561-5607 if you have any questions or need assistance. For the most up-to-date eligibility criteria, check out our resource at . We can't wait to welcome you into our family at 1476 Route 9D Wappingers Falls Ny 12590!

Business Banking & Commercial Services

Business Loan Options

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, hire additional staff, or even open a second location all with the right financial backing. Our commercial loans are designed to give you the resources you need to make those dreams a reality.

Merchant Services

In today's fast-paced market, efficient payment processing is crucial. With our merchant services, you can accept various payment types seamlessly. This means more convenience for your customers and quicker access to funds for you. Picture this: your café offers mobile payments. Customers love it because they can pay right from their phones, leading to increased sales and happier patrons. At Heritage Financial, located at 1476 Route 9D Wappingers Falls Ny 12590, Wappingers Falls, NY 12,590, we're here to support your business every step of the way. Contact us at (845) 561-5607 for more information on how we can help you grow!

Comprehensive List Of Services

Business Banking Services

For our business members, we provide comprehensive Business Banking solutions including merchant services and business loans. If you're an entrepreneur looking to expand or start a new venture, we're here to support your growth every step of the way.

Convenient Digital and In-Person Banking

In today's fast-paced world, convenience matters. That's why we offer robust Online & Mobile Banking features that let you manage your accounts anytime, anywhere. With tools for mobile payments and person-to-person transfers, staying on top of your finances has never been easier. If you prefer face-to-face interactions, our branch includes a Drive-Thru Service for quick deposits and withdrawals as well as basic ATM access for balance checks and cash withdrawals.

Credit Card Options

At Heritage Financial, we also offer Credit Cards with Rewards that let you earn points on every purchase. Whether you're planning a vacation or simply want to enjoy some cashback on everyday expenses, our credit cards can add value to your spending habits.

Get Started Today!

With so many options available at Heritage Financial, we're ready to assist you in achieving your financial goals big or small. If you have any questions or would like more information about our services, don't hesitate to give us a call at (845) 561-5607. Visit us today at 1476 Route 9D Wappingers Falls Ny 12590 in beautiful Wappingers Falls, NY! We look forward to welcoming you into our community of satisfied members!

Personal Banking Solutions

Whether you're looking to open a checking or savings account, our personal banking services have you covered. We offer various account options designed to fit different lifestyles and financial goals. For those considering major purchases, our Auto Loans & Vehicle Financing can help make your dream car a reality. Imagine cruising down the road in that new vehicle you've always wanted, with manageable payments that fit comfortably within your budget. If home ownership is on your mind, explore our Mortgage Loans & Refinancing options. Our knowledgeable team will guide you through the process, ensuring you find the best rates available. Additionally, if you're facing unexpected expenses or want to consolidate debt, our Personal Loans & Debt Consolidation services provide flexible solutions tailored just for you.

Digital & Online Banking

Accessibility and Ease-of-Use

Whether you're at home or out and about, Heritage Financial ensures that accessing your financial information is convenient and straightforward. Our online banking services provide real-time updates on your account activity, enabling you to manage your finances effectively. In today's fast-paced world, having reliable digital banking options is essential. At Heritage Financial, we strive to meet your needs by offering user-friendly features that help simplify your financial life while keeping security at the forefront. Join us today and experience the ease of digital banking tailored just for you!

Key Features

One of the standout features at Heritage Financial is the ability to sign documents electronically. Our electronic signature authorization makes it quick and simple to complete transactions without needing to visit a branch. You can also choose to receive e-statements, which not only helps you stay organized but also reduces paper clutter an eco-friendly option! Managing your finances on the go is easier than ever with our mobile application. Available for both Android and iOS devices, this app allows you to make mobile payments, send person-to-person transfers, and monitor your accounts right from your smartphone. Need to split a bill with a friend? Our person-to-person transfer feature has got you covered!

Financial Strength

At Heritage Financial, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We pride ourselves on our strong financial foundation, which is supported by data from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. 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. 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. We also have $52,042,933 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $7,614 in used auto loans and $614,105,015 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our $530,173 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We 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. Net Shares (Funds available for lending and investments): $31,189,985. Total Share and Deposit Accounts: 63,685, showing a strong and growing member base that trusts 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 1476 Route 9D Wappingers Falls Ny 12590 or call (845) 561-5607 to learn more about how we can help you achieve your financial goals.

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. We provide financing options for both new and used vehicles, making it easier than ever to drive home in the car you want.

Credit Lines and Other Loans

Our total credit lines amount to $236,796,916, providing you with additional flexibility for unexpected expenses or planned purchases. This option can help you maintain control over your finances while offering easy access to funds when needed. If you're considering refinancing any of your current loans or need more information about eligibility options, our knowledgeable staff is here to assist you every step of the way. For more details about our loan offerings or to speak with a representative directly, call us at 845-561-5607 or visit us at 1476 Route 9D Wappingers Falls NY 12590. 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 toward your financial future today!

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 mortgage solutions that can help you navigate the path to owning your dream home while keeping your payments manageable.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. While currently our total stands at $0, we are committed to helping our members manage their finances effectively through responsible credit options when available.

Loan Aggregator

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Heritage Financial