Heritage Valley Credit Union York PA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Heritage Valley, your trusted financial partner nestled in the heart of York, PA. Located at 2420 Cape Horn Rd, our credit union has been serving the community since 1935. With a commitment to empowering our 13,583 members, we pride ourselves on providing personalized banking solutions tailored to fit your unique needs. At Heritage Valley, we believe in building strong relationships with our members and giving back to the community. Our total assets stand at an impressive $117,014,975, demonstrating our stability and capability to support you in reaching your financial goals. Whether you're looking for auto loans or personal banking services, we have a variety of options available to help you thrive. While you can easily visit us at our branch for assistance, please note that any official correspondence should be sent to our mailing address: 2420 Cape Horn Rd, York, PA 17402-7900. Our friendly team is here to assist you during lobby hours from 9:00 a.m. to 5:30 p.m., Monday through Friday, and from 9:00 a.m. to 12:00 p.m. on Saturdays. Led by CEO Michael Gutshall and Board President Kathleen Neff, our dedicated staff of 30 employees is committed to ensuring your banking experience is exceptional. With total deposits exceeding $1,645,710 and cash reserves of $1,046,582, we are well-positioned to offer competitive loan rates and secure savings options. We invite you to explore our range of services including checking and savings accounts, mortgage loans, credit cards with rewards, and business banking solutions. Feel free to reach out via phone at 717-840-4981 or visit us online at heritagevalleyfcu.org for more information. Join us today and experience the difference that comes with being part of the Heritage Valley family!

Branch History & Mission

At Heritage Valley, we take pride in our deep-rooted history and commitment to serving the community of York, PA. Founded in 1935, our credit union has grown from humble beginnings to a thriving financial institution that now proudly serves over 13,500 members. Located at 2420 Cape Horn Rd, York, PA 17402, we have always aimed to provide accessible financial services while fostering a spirit of community support and engagement. Throughout the years, Heritage Valley has marked significant milestones in its journey. From our inception during the Great Depression, when families needed affordable banking solutions, to today's modern era with digital banking conveniences, our mission has remained steadfast: to empower our members with the financial tools they need to succeed. As of now, our total assets stand impressively at $117,014,975, reflecting our stability and trustworthiness as a financial partner. Our mission is not just about offering banking services; it's about creating lasting relationships within the communities we serve. We focus on providing personal banking solutions like checking and savings accounts, auto loans, mortgage financing, and business banking options. We believe that financial wellness goes hand-in-hand with community well-being. That's why we also engage in various outreach efforts aimed at supporting local initiatives and charities. While members can visit us at 2420 Cape Horn Rd, official correspondence should be sent to 2420 Cape Horn Rd, York, PA 17402-7900. Our branch features convenient amenities including an ATM for easy cash access and a drive-thru service for quick transactions without leaving your vehicle. Heritage Valley is committed to being accessible to everyone. Our branch operates Monday through Friday from 9:00 a.m. to 5:30 p.m. and on Saturdays from 9:00 a.m. to 12:00 p.m. Our drive-thru hours extend even further from 8:00 a.m. to 6:00 p.m., ensuring that you can bank when it suits you best. We are excited about the future and the role we play in the lives of our members and the wider community. We embrace digital advancements such as online banking and mobile payments while ensuring compliance with ADA standards so that everyone can access our services comfortably. If you're looking for a supportive financial partner that puts people first, we invite you to join Heritage Valley today! Experience firsthand how we can help you achieve your financial goals while making a positive impact in our community. For inquiries or assistance, feel free to reach out at 717-840-4981 or visit us online at heritagevalleyfcu.org. Together, let's build a brighter future!

Branch Location & Accessibility

Operating Hours

We understand that life can be busy. That's why we offer extended hours to fit your schedule. Our lobby is open Monday through Friday from 9:00 a.m. to 5:30 p.m., and on Saturdays from 9:00 a.m. to 12:00 p.m. Need to visit us outside of these hours? No problem! Our drive-thru service opens earlier at 8:00 a.m. during the week and closes at 6:00 p.m., providing you with even more flexibility.

Services Offered

At Heritage Valley, we offer a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. For those who prefer online banking, we provide easy access through our website or mobile app. Plus, if you're in need of cash, we have an ATM available on-site for quick withdrawals and balance checks. While members can visit us at our branch address, official correspondence should be sent to 2420 Cape Horn Rd, York, PA 17402-7900. Have questions? Don't hesitate to call us at 717-840-4981; our friendly staff is ready to assist you. We invite you to come by Heritage Valley today your trusted partner in banking!

Member Eligibility

Becoming a member of Heritage Valley means joining a warm and welcoming community that truly cares about your financial well-being. If you live, work, worship, or attend school in the York area, you're likely eligible to become part of our family. At Heritage Valley, we believe in making banking accessible for everyone, and we offer a range of services designed to support your needs from personal checking and savings accounts to loans and credit cards. For detailed eligibility criteria. Opening an account is a breeze! Just visit us at 2420 Cape Horn Rd York Pa 17402, or if you prefer the convenience of online applications, you can start the process here. If you have any questions, don't hesitate to call us at (717) 840-4981. We're excited to welcome you!

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. - With an outstanding commercial loan portfolio of $261,366, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Sense

Imagine being able to streamline your payment processes while improving customer satisfaction. Our merchant services provide just that, allowing you to accept payments easily and efficiently. This means less time worrying about transactions and more time focusing on what matters most growing your business. If you're ready to explore how Heritage Valley can help support your business journey, visit us at 2420 Cape Horn Rd York Pa 17402, located in York, PA. You can also reach us at (717) 840-4981 for more information!

Comprehensive List Of Services

Accessing Your Funds Made Easy

Need cash? We have you covered with our ATM and cash withdrawal services, which allow you quick access to your money without any hassle. Our basic drive-thru banking service also makes transactions like deposits and withdrawals straightforward for those on the go. At Heritage Valley, we're committed to making banking easy and accessible for everyone in the community. If you're ready to take advantage of these services or want more information, feel free to reach out at (717) 840-4981 or visit us at our branch on 2420 Cape Horn Rd York Pa 17402. Let us partner with you on your financial journey today!

Business Banking Services

For those running a business, we recognize that managing finances can be challenging. That's why we provide comprehensive business banking solutions, including merchant services and business loans tailored to fit your needs. We're here to help your business thrive!

Credit Options with Benefits

In addition to loans, we offer credit cards with rewards, allowing you to earn while you spend. Imagine using your card for everyday purchases and earning points towards future rewards! It's just one more way we strive to make banking rewarding for our members.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features, ensuring that you can manage your finances anywhere, anytime. With easy access through our website or mobile app, you'll find it simple to check balances, transfer funds, and pay bills right from your phone.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, Heritage Valley has options tailored just for you. Our personal banking services include not only traditional accounts but also auto loans and vehicle financing to help you get on the road. If you're dreaming of homeownership, our mortgage loans and refinancing options can make that dream a reality. And if life throws unexpected expenses your way, our personal loans and debt consolidation services are here to provide support.

Digital & Online Banking

Additional Features

We also provide e-statements for easy access to your account history without the clutter of paper statements. This not only helps you stay organized but also supports our commitment to sustainability. And if you're someone who loves using mobile payments, we have you covered! Our mobile payment feature makes it quick and simple to pay at stores using just your smartphone. With Heritage Valley, banking is not just about transactions; it's about having the tools you need to manage your financial life effectively. Experience the convenience and security of digital banking today!

Key Services

Our online banking platform is designed for ease of use, allowing you to access your accounts 24/7 at https://heritagevalleyfcu.org/. Whether you're checking balances, transferring funds, or paying bills, everything can be done from the comfort of your home or on the go with our mobile application. You can even send money directly to friends and family with our person-to-person transfer feature no need for cash or checks! Security is a top priority for us. We offer electronic signature authorization, so you can sign documents securely without needing to visit a branch. Plus, enjoy peace of mind knowing that your sensitive information is protected as you bank online.

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. We are committed to ensuring that your finances are in safe hands. 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 is evident with $9,610 in used auto loans and $65,052,298 in total loans and leases, supporting members' financial goals across various sectors. Our operational efficiency is highlighted by our $0 net income, which reflects our commitment to providing valuable products for our members without compromising service quality. 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 and committed team. With net shares amounting to $2,490,223, we have the funds available for lending and investments that further enhance our service offerings. The trust placed in us is clear from the 24,119 total share accounts, 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 2420 Cape Horn 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 financing options tailored to fit your budget. Plus, if you're considering refinancing your current auto loan, we can help you explore eligibility options that might save you money.

Business Financing

If you're a business owner seeking growth opportunities, our outstanding commercial loans totaling $261,366 provide the capital needed for expansion or new ventures. We understand the unique challenges businesses face and are committed to supporting our local entrepreneurs. At Heritage Valley, we pride ourselves on providing exceptional service and financial solutions that work for you. For any questions about our loan offerings or to find out more about how we can assist you in your financial journey, please don't hesitate to contact us at 717-840-4981 or visit us at 2420 Cape Horn Rd York PA 17402. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Credit Lines and Unsecured Credit Cards

For those looking for more flexibility in managing finances, we offer total credit lines of $15,107,351, allowing you to borrow as needed without the hassle of reapplying each time. Additionally, our unsecured credit card loans amounting to $5,289,017 provide members with an easy way to handle unexpected expenses while enjoying convenient access to funds.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $16,445,988, making buying or refinancing simple. We aim to make the process as straightforward as possible so that you can focus on what truly matters creating memories in your new home.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" 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.*

How LendMesh Ensures 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 rigorous sourcing ensures that users receive fair and transparent offers.

HERITAGE VALLEY FEDERAL CREDIT UNION - York, PA

Compare Loan Rates Near You

Loan rates in York, PA (17402)