Heritage Financial Credit Union Washingtonville NY | Quick Personal Loans & Top Checking

Introduction

At Heritage Financial, we believe that banking should be more than just numbers; it should be about community, trust, and empowering our members to achieve their financial goals. Located at 131 E Main St, Washingtonville, NY 10992, our branch has been a cornerstone of the local community since 1940. With a strong commitment to serving over 56,304 members, we are proud to offer personalized financial services tailored to meet your needs. Our credit union boasts impressive financial strength with total assets reaching an astounding $721,218,176. This allows us to provide robust services such as auto loans, mortgages, and personal loans with confidence. We have facilitated 20,451 loans and leases, helping our members secure the funding they need for their dreams. Our total deposits stand at $13,680,628, reflecting the trust our community places in us. Under the leadership of CEO Michael Ciriello and Board President Kenneth Affeldt, we prioritize member satisfaction and community engagement. Our dedicated team of 161 employees is here to assist you with any banking inquiries or financial advice you may need. Whether you are visiting us in person or connecting through our online services at heritagefcu.com, we strive to make every interaction positive. While members can visit us at our branch location for friendly service and support, official correspondence should be sent to our mailing address at 25 Rykowski Lane, Middletown, NY 10941. We invite you to explore all that Heritage Financial has to offer! Whether you're looking for a new checking account or considering a loan for your next vehicle purchase, our knowledgeable staff is ready to help. Call us today at 845-561-5607 or stop by our branch during business hours M-Th from 8:30 AM to 5 PM and Fri until 6 PM. Together, let's build a brighter financial future!

Branch History & Mission

Community Focus

Heritage Financial also believes in giving back. We actively engage in community outreach efforts and collaborate with local organizations to support various initiatives that strengthen the fabric of Washingtonville. This focus on community ensures that we are not just a financial institution but a vital part of the lives of those we serve. While you can visit us at our branch location on E Main St, official correspondence can be sent to our mailing address at 25 Rykowski Lane, Middletown, NY 10941. As we continue to grow and adapt, we invite you to join us on this journey. Experience the difference that comes with being part of Heritage Financial where your goals become ours. Call us today at 845-561-5607 or visit heritagefcu.com to learn more about how we can support your financial aspirations!

Our Mission

At Heritage Financial, our mission is simple yet impactful: to empower our members through personalized financial solutions that enhance their lives. We believe that banking should be about more than just transactions; it's about building lasting partnerships and supporting one another. Whether it's helping you secure an auto loan or guiding you through mortgage options, we are here for every step of your financial journey. We take pride in offering a wide range of services tailored to meet your needs: from checking and savings accounts to loans and credit cards with rewards. Our commitment to innovation is evident in our digital banking options, including online and mobile banking capabilities that make managing your finances easier than ever. Plus, with 24-hour ATM access and drive-thru banking available, convenience is always at your fingertips.

Branch Location & Accessibility

Call-to-Action

We invite you to stop by Heritage Financial today! Our friendly staff is ready to assist you with all your banking needs. If you have any questions or would like more information before your visit, don't hesitate to call us at 845-561-5607. We look forward to welcoming you!

Operating Hours

We strive to accommodate our members' busy schedules with flexible operating hours. You can visit us 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 remember that while our lobby closes early at 4 PM during the week, our drive-thru remains open until 5 PM on weekdays and until 1 PM on Saturdays for your convenience.

Services Offered

Our branch offers a wide range of services designed to meet your financial needs. From personal checking and savings accounts to auto loans and mortgages, we're here to help you every step of the way. If you're looking for quick transactions, our drive-thru service allows you to make deposits and withdrawals without leaving your car. Plus, we provide ATM access around the clock for those times when you need cash fast.

Member Eligibility

Joining the Heritage Financial community is a wonderful way to take control of your financial future while being part of a supportive network. To become a member, you'll find that eligibility is quite straightforward. If you live, work, worship, or attend school in the Washingtonville area or have family members who are already members, you're likely eligible to join us! We believe that everyone deserves access to friendly and personalized banking services. To get started with your membership at Heritage Financial, simply visit our website for more information on eligibility details at . Once you're ready to open an account, the process is easy! You can complete it online through this link: https://www.myaccountaccess.com/enroll/user ?appid=trancore&tenantid=icselan&channelid=web#/verifyenrollment . If you have any questions or need assistance, feel free to give us a call at (845) 561-5607. We're excited to welcome you into our family!

Business Banking & Commercial Services

Business Loans That Fuel 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. - We also support the broader business community with $23 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Needs

In addition to loans, we provide merchant services that simplify payment processing for your business. Imagine a busy day where customers can easily pay using their preferred methods, allowing you to focus on what matters most running your business smoothly. Our services are designed to enhance your cash flow while keeping things efficient. If you're ready to take your business to the next level, visit us at 131 E Main St Washingtonville Ny 10992 in Washingtonville, NY or give us a call at (845) 561-5607. Let's work together to make your business goals a reality!

Comprehensive List Of Services

Credit Cards and Business Banking

With our credit cards with rewards, you can earn while you spend. Enjoy cashback offers and other perks that make each purchase more rewarding. For business owners, we have tailored solutions through our business banking services, including merchant services and business loans. Whether you're just starting out or looking to expand, we understand the unique challenges small businesses face and are here to support your journey.

Digital Convenience

In today's fast-paced world, having access to banking at your fingertips is crucial. Our online and mobile banking platforms allow you to manage your accounts anytime, anywhere. With features like mobile payments and person-to-person transfers, staying connected with your finances has never been easier. We also provide essential ATM services for cash withdrawals and balance checks at your convenience. If you prefer in-person interactions, our drive-thru banking makes simple transactions quick and efficient without leaving your car.

Personal Banking

When it comes to personal banking, we offer checking and savings accounts designed for every kind of saver. Need a convenient way to handle daily expenses? Our checking accounts come with features that make transactions easy. For those looking to save, our savings accounts provide competitive rates to help your money grow over time. If you're dreaming of a new car or need financing for a vehicle, our auto loans and vehicle financing options are here to help. We understand that purchasing a car is a significant commitment, so we offer flexible terms and competitive rates to make the process smooth. Homeownership can be one of life's biggest milestones. That's why our mortgage loans and refinancing services are crafted with your goals in mind. Whether you're buying your first home or looking to refinance an existing mortgage for better terms, our team is ready to guide you through every step. For unexpected expenses or big purchases, our personal loans and debt consolidation services can provide the financial relief you need. We can assist you in consolidating debt into one manageable payment or funding those important life events without added stress.

Visit Us Today!

Located at 131 E Main St Washingtonville Ny 10992, we invite you to stop by or give us a call at (845) 561-5607 if you have any questions about our services or need assistance. Our friendly staff at Heritage Financial is always ready to help you achieve your financial goals. Explore all the ways we can support you by visiting us online at Heritage Financial Cu. Join us today your journey toward financial success starts here!

Digital & Online Banking

Mobile Application

With the Yes available for download, all these services are right at your fingertips. Check your account balances, deposit checks remotely, and manage your transactions on the go. It's banking that fits into your lifestyle easy to use and always accessible. Experience the freedom of modern banking with Heritage Financial today! Visit us online at https://heritagefcu.com/ to explore all the ways we can help you achieve financial wellness from the comfort of home or on the move.

Online Banking Features

Our 24/7 online banking services allow you to check balances, transfer funds, and pay bills with just a few clicks. Whether you're on your computer or using our mobile application, staying in control of your finances has never been simpler. Plus, for those times when you need a quick transaction, our person-to-person transfers let you send money to friends or family in real-time.

Security and Accessibility

We prioritize your security with features like electronic signature authorization, making it easy and safe to sign documents digitally. You can also opt for e-statements, reducing paper clutter while keeping your financial records secure. Our mobile payments feature ensures that you can make purchases directly from your smartphone, adding another layer of convenience to your daily life.

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 are proud to share our financial health with you, ensuring that you can trust us with your savings and loans. 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. 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. 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 a total of $614,105,015 in loans and leases. 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. Net Shares (Funds available for lending and investments): $31,189,985. Total Share 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 131 E Main St Washingtonville NY 10992 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.

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 brand-new model or a reliable used vehicle, we provide competitive terms that make it easier for you to drive away happy.

Credit Lines and Personal Loans

In addition to auto and mortgage loans, we offer credit lines that total $236,796,916. These flexible options allow you to access funds when needed without the hassle of applying for a new loan each time. We also have unsecured credit card loans available to help manage everyday expenses effectively. Although we currently have $0 in unsecured credit card loans issued, our services are designed with your financial health in mind. At Heritage Financial, we're committed to providing personalized service and practical solutions for all your borrowing needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us today or call 845-561-5607 to learn more about our loan products and how we can support your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $82,179,666, making buying or refinancing simple. We strive to provide flexible financing solutions tailored to your unique circumstances. If you're looking to refinance an existing mortgage or explore eligibility options for first-time buyers, our team is ready to assist you through the process.

Loan Aggregator

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Heritage Financial