Heritage Valley Credit Union York PA | Affordable Auto Loans & Mortgages

Introduction

Welcome to Heritage Valley, your trusted partner in financial services right here at 2400 Pleasant Valley Rd, York, PA 17402. Established in 1935, we have proudly served our community for over 85 years, building relationships based on trust and reliability. With a growing membership of 13,583, our commitment to you is unwavering. At Heritage Valley, we understand that your financial needs are as unique as you are. Our total assets now stand at an impressive $117,014,975, reflecting our strength and stability in the market. We offer a range of services tailored to meet your needs, including personal banking, auto loans, mortgages, credit cards with rewards, and business banking options. While members can visit us at our branch location for friendly service and expert advice, official correspondence should be sent to our mailing address: P.O. Box 3617, York, PA 17402-9624. Led by our dedicated CEO, Michael Gutshall, and Board President, Kathleen Neff, our team of 30 employees is here to support you every step of the way. Our goal is to empower you with the financial tools necessary for achieving your dreams. With total loans amounting to 6,204 and total deposits reaching $1,645,710, we pride ourselves on being a responsible steward of your funds. Our net worth stands strong at $9,430,162, showcasing our sound financial practices. We invite you to explore all that Heritage Valley has to offer. Whether you're looking for personalized banking solutions or simply want to learn more about how we can assist you in reaching your goals, don't hesitate to reach out! You can call us at 717-840-4981 or visit our website at heritagevalleyfcu.org for more information. Join us today and experience the difference that comes from being part of a member-focused credit union!

Branch History & Mission

Welcome to the Heritage Valley branch, a cornerstone of financial support in York, PA. Established in 1935, our branch has a rich history of serving our community and growing alongside it. Over the years, we have welcomed countless members into our family, building relationships that go beyond banking. Located at 2400 Pleasant Valley Rd, York, PA 17402, our branch is easily accessible for those in the surrounding areas. You can find us near local landmarks that many residents know well. With an unwavering commitment to meeting the needs of our members, we now proudly serve over 13,583 individuals and families who trust us with their financial futures. At Heritage Valley, our mission is clear: we are dedicated to providing excellent financial services while fostering a strong sense of community. We believe in empowering our members through accessible banking options, whether that's personal checking accounts, auto loans, mortgages, or business banking solutions. Our total assets currently stand at an impressive $117,014,975, reflecting our stability and ability to support our members' aspirations. Our approach to service extends beyond just transactions; it's about making meaningful connections. We offer digital advancements such as online and mobile banking to ensure our members can manage their finances conveniently. Additionally, we are proud of our ADA compliance efforts that make our services accessible to everyone in the community. Heritage Valley also emphasizes community outreach. We regularly partner with local organizations to promote financial literacy and support various initiatives aimed at enhancing the quality of life in York. Our drive-thru service provides added convenience for those on the go, with extended hours designed to fit busy schedules. While you can visit us at 2400 Pleasant Valley Rd, please note that official correspondence should be sent to P.O. Box 3617, York, PA 17402-9624 if you need to reach us by mail. Our operating hours are designed for your convenience: lobby hours run from Monday through Friday from 9:00 a.m. to 5:30 p.m., and Saturdays from 9:00 a.m. to 12:00 p.m. Drive-thru hours vary throughout the week but typically extend until 6:00 p.m. on weekdays. As we look forward to the future, we invite you to join us at Heritage Valley. Experience firsthand how we blend traditional values with modern banking solutions tailored just for you. Whether you're looking for a loan or simply want a place where your financial needs are understood and met with care, we're here for you every step of the way. Contact us today at 717-840-4981 or visit our website for more information about becoming a member and discovering all that Heritage Valley has to offer!

Branch Location & Accessibility

Operating Hours

At Heritage Valley, we want to make banking easy for you. Our lobby hours are Monday through Friday from 9:00 a.m. to 5:30 p.m., and we're open Saturday from 9:00 a.m. to 12:00 p.m. If you're looking to use our drive-thru services, we're here for you Monday through Wednesday from 8:00 a.m. to 6:00 p.m., Thursday and Friday until 7:00 p.m., and on Saturday from 8:00 a.m. to 1:00 p.m.

Services Offered

Our branch is equipped to meet all your financial needs, whether you're looking for checking and savings accounts, auto loans, mortgage refinancing, or even business banking services. We offer ATM access for quick withdrawals and balance checks, along with simple drive-thru transactions for deposits and withdrawals. While members can visit us at our main location on Pleasant Valley Rd, any official correspondence should be sent to P.O. Box 3617, York, PA 17402-9624. We're here to help you take control of your financial future! For more information about our services or if you have any questions, don't hesitate to give us a call at 717-840-4981. Come visit us today at Heritage Valley where your banking needs are always prioritized!

Member Eligibility

Becoming a member of Heritage Valley is like joining a family that truly cares about your financial well-being. We welcome anyone who lives, works, worships, or attends school in our community to join us at our branch located at 2400 Pleasant Valley Rd York Pa 17402. If you're looking for a supportive place to manage your money and reach your financial goals, this is the perfect spot for you! To learn more about the specific eligibility requirements, you can visit our website. Joining is simple and inclusive! Once you're eligible, opening an account is just a few clicks away. You can start the process by visiting our account opening page here: https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozadzzw4wxcoff0ymgcwc8dv55ub1peaqaqyazhihqrytdgyw7uaroykolakwvtlypfhnpfahzrqx7z0-njvgjtg3vxlsocmxmhlwzee-q1eigvdvrfpg2ds0j2gt3fqhfdrlozqmtkexhutejbvkyzpwojecwlhqqcc7gbr4flhlx9dl2a1tla__fszlaeyi3qsrr6_xo1x5nlmq4e3joylrse0h9qquhzzqy5jpeqy_x-3tcsuoa4_nuij75tkqyejziudca8qj2u0wdae_dzs8m. Should you have any questions or need assistance, don't hesitate to call us at (717) 840-4981. We're excited to help you take this important step toward financial empowerment with Heritage Valley!

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've funded over $5 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $261,366, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loan options, we offer merchant services that make transactions easier for your business. Imagine running a busy café where customers can pay quickly with their cards or mobile wallets. Our services simplify payment processing, allowing you to focus on what you do best serving your customers and growing your business. Visit us at 2400 Pleasant Valley Rd York Pa 17402 in York, PA, or call us at (717) 840-4981 to discover how our business banking and commercial services can empower your success!

Comprehensive List Of Services

ATM and Drive-Thru Services

We also prioritize convenience with our ATM and cash withdrawal services. Our ATMs allow for quick withdrawals and balance checks without needing to enter the branch. If you prefer a face-to-face interaction for simple transactions like deposits or withdrawals, our basic drive-thru service is available during extended hours. At Heritage Valley, we believe in building strong relationships with our members by providing reliable financial services tailored just for you. Whether you're just starting out in managing your finances or looking for advanced banking solutions for your business, we are here for all your needs. Ready to learn more about how we can assist you? Visit us online at heritagevalleyfcu.org or give us a call today! Let's work together towards achieving your financial goals!

Business Banking Solutions

For small business owners, Heritage Valley offers tailored business banking solutions that include merchant services and business loans. We understand the unique challenges of running a business and aim to provide the financial support you need to thrive.

Convenient Digital Banking Features

In today's fast-paced world, having access to your accounts anytime is essential. That's why we offer robust online and mobile banking features. You can check your balance, transfer funds, and pay bills right from your smartphone or computer. Plus, with person-to-person payment options available, sending money to friends or family has never been easier.

Personal Banking Services

Navigating finances can sometimes feel overwhelming, but at Heritage Valley, we make it easier with our comprehensive personal banking services. If you're considering opening a checking or savings account, our options are designed to help you manage your money effectively while earning interest. For those in need of a new vehicle, our auto loans and vehicle financing provide competitive rates and flexible terms, making it simple to drive away in your dream car. Are you planning to buy a home? Our mortgage loans and refinancing options can guide you through the process smoothly, ensuring you find the best fit for your budget. If you're facing unexpected expenses or need assistance managing debt, consider our personal loans and debt consolidation services that can provide the relief you need. Additionally, enjoy the benefits of our credit cards with rewards that allow you to earn points on everyday purchases. With these options, you'll have more flexibility and value in your spending.

Digital & Online Banking

Key Features

Our online banking platform includes features that enhance both convenience and security. You can easily enroll in e-statements, eliminating the hassle of paper statements while keeping your information organized and accessible. Plus, with electronic signature authorization available, signing documents is quick and straightforward no need to visit the branch. Need to send money to a friend? Our person-to-person transfer feature allows you to send funds quickly and securely right from your mobile device. Speaking of mobile devices, our user-friendly mobile application is available for download, bringing all the functionalities of our online banking right into your pocket.

Security and Accessibility

We prioritize the safety of your financial information. Our platform uses advanced security measures to ensure that your data remains protected during every transaction. You can feel confident knowing that when you use our mobile payments feature, your transactions are secure. With Heritage Valley's digital banking options, staying on top of your finances has never been easier. Enjoy real-time account management at your fingertips while experiencing the peace of mind that comes from knowing you're in control of your money whenever you need it. Join us today and discover how effortless banking can be!

Financial Strength

At Heritage Valley, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. Our commitment to sound financial practices ensures that you can trust us with your hard-earned money. With a net worth of $9,430,162, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 803 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 $18,523,397 in share certificates and $13,418,690 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $9,001,062 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 your financial goals across various sectors with $961 in used auto loans and over $65 million in total loans and leases. Our operational efficiency is reflected in our net income of $0, which allows us to continuously offer competitive loan rates and solid financial products for our members. We also take pride in having 28 full-time employees and 2 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): $2,490,223. Total Share Accounts: 24,119, 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 Valley is your trusted partner. Visit us at 2400 Pleasant Valley Rd York Pa 17402 or call 717-840-4981 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 $13,502,266 in used vehicle loans and $4,537,091 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates that make financing your vehicle straightforward and affordable.

Credit Lines and Business Loans

For those looking for additional flexibility in their financial planning or business operations, we provide credit lines totaling $15,107,351. Additionally, if you're a business owner seeking growth opportunities, our outstanding commercial loans amounting to $261,366 offer the capital needed to expand your operations.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $16,445,988. Whether you're a first-time buyer or looking to refinance your current home, our team is here to guide you every step of the way.

Refinancing Options

If you're considering refinancing any of your existing loans or lines of credit, Heritage Valley can assist with options that may save you money over time. We encourage you to discuss eligibility with our knowledgeable staff who are ready to help tailor solutions to your needs. At Heritage Valley, we're committed to supporting our members in achieving their financial aspirations through accessible loan options and reliable service. For more information about our offerings or to start your application today, please visit our website or call us directly at (717) 840-4981. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Card Loans

Managing daily expenses can be challenging; that's why we also offer flexible terms on unsecured credit card loans. With a total of $5,289,017 in unsecured credit card loans available, our products help members manage their finances effectively while enjoying rewards and benefits.

Loan Aggregator

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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 to accuracy means that users can trust the offers they see are fair and transparent.

HERITAGE VALLEY FEDERAL CREDIT UNION - York, PA

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