Heritage Financial Credit Union Matamoras PA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Heritage Financial, your trusted partner in personal and business banking located at 111 Hulst Dr Ste 703A, Matamoras, PA 18336. Since our establishment in 1940, we have proudly served our community with dedication and integrity. With over 56,304 members counting on us, our commitment to fostering financial wellness is unwavering. At Heritage Financial, we understand that every member has unique financial needs. That's why we offer a wide range of services, from checking and savings accounts to auto loans, mortgages, and business banking solutions. With total assets exceeding $721 million and total deposits around $13,680,628, we're well-equipped to help you achieve your financial goals. Our leadership team, headed by CEO Michael Ciriello and Board President Kenneth Affeldt, is dedicated to ensuring that our members receive the best possible service. Together, we strive to create a welcoming atmosphere where you can feel secure about your finances. Whether you're looking for a new loan or need assistance managing your existing accounts, our friendly staff of 161 employees is here to assist you. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to our mailing address: 25 Rykowski Ln, Middletown, NY 10941-4019. We invite you to explore how Heritage Financial can make a difference in your financial journey. Feel free to reach out at 845-561-5607, or visit us online at heritagefcu.com for more information about our products and services. Your financial future starts here!

Branch History & Mission

At Heritage Financial, we take pride in our rich history and steadfast mission to serve the community of Matamoras, PA. Established in 1940, our branch has been a cornerstone of financial support for over eight decades. Located at 111 Hulst Dr Ste 703A, Matamoras, PA 18336, we are easily accessible and ready to assist you with your banking needs. Since our inception, Heritage Financial has grown significantly, now boasting a total membership of over 56,000 members and total assets amounting to $721,218,176. Our journey reflects a commitment not only to providing excellent financial services but also to fostering strong community ties. We believe that when our members thrive, the entire community flourishes. Our mission is simple yet powerful: to empower our members through comprehensive financial solutions while actively participating in local initiatives that make a difference. Whether it's offering personal banking services like checking and savings accounts or providing vehicle financing options, we strive to meet the diverse needs of our members. We also understand the importance of adapting to changing times; that's why we offer modern conveniences such as online banking and mobile payments. Heritage Financial is dedicated to being more than just a credit union. We aim to be a reliable partner in your financial journey. We regularly engage in community outreach programs and partnerships that uplift those around us. From educational workshops on financial literacy to supporting local charities, we are committed to making an impact beyond our doors. For your convenience, we offer ATM availability and have extended operating 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. While members can visit us at 111 Hulst Dr Ste 703A Matamoras Pa 18336, official correspondence should be sent to 25 Rykowski Ln, Middletown, NY 10941-4019. As we look ahead, we invite you to join the Heritage Financial family. Experience the benefits of membership and discover how we can support you in achieving your financial goals. Together, let's build a brighter future for ourselves and our community! For more information or assistance, please call us at (845) 561-5607 or visit our website at Heritage Financial.

Branch Location & Accessibility

Convenient Access

When you visit us at Heritage Financial, you'll find ample parking available right outside our doors. Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and entrances to ensure everyone can easily access our services. Whether you're popping in for a quick transaction or need assistance with your accounts, we strive to make your visit as smooth as possible.

Get in Touch!

Have questions? Our team is here to help! Feel free to give us a call at (845) 561-5607 for any inquiries or just drop by during business hours. We can't wait to welcome you into the Heritage Financial family!

Operating Hours That Fit Your Schedule

We understand that life can be busy! That's why our operating hours are designed to accommodate your schedule. Join 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. For added convenience, we also offer a 24-hour ATM service so you can manage your finances anytime you need.

Services Tailored for You

At Heritage Financial, we're dedicated to meeting all your banking needs. From personal checking and savings accounts to auto loans and mortgage refinancing, we provide a variety of services tailored just for you. Plus, enjoy the flexibility of online and mobile banking options that allow you to manage your accounts on the go. While members can visit us at 111 Hulst Dr Ste 703A Matamoras Pa 18336, official correspondence should be sent to our mailing address at 25 Rykowski Ln, Middletown, NY 10941-4019.

Member Eligibility

Becoming a member of Heritage Financial is like joining a close-knit family dedicated to supporting your financial journey. If you're looking for a community that cares about your needs, you're in the right place! To qualify for membership, you simply need to live, work, or worship in our service areas or have an immediate family member who is already a member. This means we welcome individuals from all walks of life. You can discover more about these criteria by checking out our detailed guidelines. Opening an account with us is easy and straightforward. All you need to do is visit our website or call us at (845) 561-5607 for assistance. Our friendly team is here to guide you through the process so that you can start enjoying the benefits of being part of Heritage Financial, located at 111 Hulst Dr Ste 703A Matamoras Pa 18336. We offer a variety of services designed to help you achieve your financial goals, and we're excited to welcome you into our community! For more information on how to get started, please visit https://www.myaccountaccess.com/enroll/user?appid=trancore&tenantid=icselan&channelid=web#/verifyenrollment.

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial backing to turn your business dreams into reality. Our commercial loan products can be the catalyst for growth, allowing you to invest in new equipment, hire additional staff, or even open a new location. 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

In addition to loans, we offer merchant services that simplify payment processing for your customers. Picture this: a busy Saturday morning at your store where customers can easily pay with their credit cards or mobile payments without any hassle. This not only enhances customer satisfaction but also helps you manage cash flow more effectively. By choosing Heritage Financial as your partner in business banking, you're not just accessing financial services; you're gaining a dedicated ally committed to helping you thrive in today's competitive market. Let us help you achieve your business goals! For more information or to get started, visit us at 111 Hulst Dr Ste 703A Matamoras Pa 18336 in Matamoras, PA, or call us at (845) 561-5607.

Comprehensive List Of Services

Accessibility

At Heritage Financial, we believe in making banking accessible for everyone. Our basic ATM access includes withdrawals and balance checks so that you can quickly get the information or cash you need without hassle. No matter what financial service you're seeking, our friendly staff at Heritage Financial is here to help guide you every step of the way. We invite you to visit us at our branch or contact us directly at (845) 561-5607 for any questions about how we can serve you better. Ready to take control of your financial future? Explore all that we have to offer today! Visit us online at Heritage Financial Cu or drop by our branch in Matamoras. Your journey towards better banking starts here!

Business Banking Solutions

For our business members, we provide comprehensive Business Banking services including Merchant Services & Business Loans. Whether you're just starting out or looking to expand, our dedicated team is ready to assist you in finding the right financial products that align with your goals.

Credit Cards and Rewards

Want to earn rewards while you spend? Our Credit Cards with Rewards program allows you to earn points on everyday purchases, which can be redeemed for travel, merchandise, and more. It's an easy way to make your spending work for you.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features that allow you to manage your finances anytime, anywhere. With tools like mobile payments and person-to-person transfers, staying on top of your finances has never been easier. Plus, our ATM & Cash Withdrawal Services ensure that you have access to your funds when you need them most.

Personal Banking

We understand that managing your finances can be overwhelming. That's why we offer a range of Personal Banking services designed to simplify your life. From Checking & Savings Accounts that help you keep track of your money, to Auto Loans & Vehicle Financing that make buying a car more accessible, we have you covered. Planning to buy a home? Our Mortgage Loans & Refinancing options provide flexibility and competitive rates, making homeownership within reach. If you're facing unexpected expenses or looking to consolidate debt, our Personal Loans & Debt Consolidation services can offer you the support you need.

Digital & Online Banking

Key Services

With our robust online banking platform available at https://heritagefcu.com/, you can manage your accounts 24/7. Check balances, transfer funds, and pay bills all from the comfort of your couch or while waiting in line. Our user-friendly interface makes navigation easy, so you spend less time worrying about banking and more time enjoying life. For added convenience, we also provide e-statements, allowing you to receive account statements electronically. This not only helps keep your financial information organized but also reduces paper waste. Plus, with our electronic signature authorization feature, signing documents has never been easier or more secure.

Mobile Banking Features

Stay connected with our mobile application, which is available for download on your smartphone. This app offers a wealth of features including mobile payments and person-to-person transfers, making it simple to send money to friends or pay for purchases without needing cash. With these tools at your fingertips, managing your finances becomes effortless. Security is a top priority at Heritage Financial. We employ advanced security measures to protect your data and transactions. You can bank confidently knowing that we have your safety in mind. In summary, whether you're utilizing our online services or mobile app, you'll find that banking with Heritage Financial is designed for ease of use and accessibility. Join us today and experience the future of banking!

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 committed to providing a strong financial foundation that you can trust. 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 $614,105,015 in total 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 and Deposit Accounts: 63,685, showing a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. 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 111 Hulst Dr Ste 703A Matamoras PA 18336 or call 845-561-5607 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Financing Options

In addition to these popular loan types, we provide access to $236,796,916 in total credit lines. This gives our members the flexibility they need for personal expenses or unexpected costs. For business owners, while we currently do not have outstanding commercial loans available, our team is dedicated to supporting local businesses with future lending opportunities as they arise. If you're considering refinancing or exploring eligibility options for any of our products, don't hesitate to reach out! You can contact us at 845-561-5607 for personalized assistance. 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 and discover how we can assist you in achieving your financial aspirations!

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 that make it easy for you to drive away with the vehicle you want.

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're here to guide you through the process and help you find the right mortgage solution that fits your budget.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, even though currently there are no outstanding amounts in this category. Our credit card solutions can help members manage their finances effectively while enjoying various rewards.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You can trust that the rates you see are genuine and accurate. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means that every user gets a level playing field when comparing loan options. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can easily find the most competitive offers available at any given time. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials reflect the effectiveness of this tool in helping borrowers save money. Compare real-time loan offers today at LendMesh and 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.

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 commitment ensures that users receive fair and transparent offers, allowing them to compare loans with confidence.

HERITAGE FINANCIAL FEDERAL CREDIT UNION - Matamoras, PA

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Compare Loan Rates Near You

Loan rates in Matamoras, PA (18336)

Introduction

Branch History & Mission

Branch Location & Accessibility

Convenient Access

Get in Touch!

Operating Hours That Fit Your Schedule

Services Tailored for You

Member Eligibility

Business Banking & Commercial Services

Business Loan Options

Merchant Services

Comprehensive List Of Services

Accessibility

Business Banking Solutions

Credit Cards and Rewards

Digital Banking Convenience

Personal Banking

Digital & Online Banking

Key Services

Mobile Banking Features

Financial Strength

Loan Offering

Additional Financing Options

Auto Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

Ensuring Accurate Comparisons

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