HERITAGE FINANCIAL CREDIT UNION

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!

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.

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 at . 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 .

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.