HERITAGE FINANCIAL CREDIT UNION

Welcome to Heritage Financial, your trusted partner in financial well-being since 1940. Nestled at 113 Atlantic Avenue, Dingmans Ferry, PA 18328, our branch is dedicated to providing exceptional service and support to our community. With a total membership of over 56,304 individuals, we pride ourselves on being more than just a financial institution; we're a part of your journey towards achieving your goals. At Heritage Financial, our commitment to our members is reflected in our impressive financial standing. We currently hold assets totaling $721,218,176, with total deposits reaching $13,680,628. Our net worth stands strong at $79,605,093, ensuring that your funds are secure and that we can continue to invest back into the community we serve. While members can visit us at our branch for all their banking needs from personal banking and auto loans to mortgage refinancing and business services official correspondence should be sent to our mailing address: 25 Rykowski Ln, Middletown, NY 10941-4019. Under the leadership of CEO Michael Ciriello and Board President Kenneth Affeldt, our team of 161 employees is here to assist you with friendly service tailored to your individual needs. Whether you're looking for advice on loans (with over 20,451 loans and leases currently managed) or assistance with savings options (including more than 63,662 shares deposited), we're ready to help you every step of the way. Feel free to reach out to us at 845-561-5607 or visit our website at heritagefcu.com for more information about how we can serve you better. Join us today and discover how Heritage Financial can make a positive impact on your financial future!

At Heritage Financial, we believe that joining our community is like finding a home where you truly belong. Becoming a member is straightforward and welcoming! If you're living, working, or attending school in our local area, you're likely eligible to join us. We aim to create an inclusive environment that supports your financial journey, whether you're looking for personal banking services, loans, or simply a friendly place to manage your finances. For detailed eligibility criteria, feel free to visit our website at . When you're ready to take the next step, opening an account with us is easy! Just check out our account opening details at https://www.myaccountaccess.com/enroll/user?appid=trancore&tenantid=icselan&channelid=web#/verifyenrollment , or give us a call at (845) 561-5607 if you have any questions. We're excited to welcome you into the Heritage Financial family at our branch located at 113 Atlantic Avenue Dingmans Ferry Pa 18328. Your journey toward better banking starts here!

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. With strong financial metrics backing our operations, you can trust that your money is in good hands. With a net worth of $79,605,093, we maintain robust financial health. This strength allows us to offer better rates, lower fees, and enhanced services tailored to meet your needs. 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. We prioritize your savings and well-being. Members' funds 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 focus on benefiting our members; with non-member deposits at $52,463,377, we ensure our resources are directed toward better loan rates and exclusive member perks. Our commitment to growth is reflected in our $52,042,933 in undivided earnings, which allows us to reinvest in innovative banking tools and stronger lending options. We support our members' financial goals with $7,614 in used auto loans and a total of $614,105,015 in loans and leases across various sectors. Our operational efficiency shines through with a net income of $530,173, allowing 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 who are always ready to serve you with a knowledgeable, committed team. With net shares available for lending and investments amounting to $31,189,985, alongside a strong member base reflected by our total share accounts of 63,685, we are well-positioned to meet the evolving needs of our community. 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 113 Atlantic Avenue Dingmans Ferry Pa 18328 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.*