Heritage Credit Union Evansville IN | Best Auto Loans & Business Banking

Introduction

Welcome to Heritage, your trusted financial partner located at 5343 Pearl Dr, Evansville, IN 47712. Established in 1965, our credit union has been dedicated to serving our community with a commitment to trust and reliability for over five decades. With a thriving membership of 65,249 members, we pride ourselves on being more than just a bank; we're a community-focused institution that prioritizes the needs of our members. At Heritage, we understand that financial well-being is essential to your everyday life. That's why we offer a wide range of services tailored to meet your personal and business banking needs. Whether you're looking for checking and savings accounts, auto loans, or mortgage solutions, we have you covered. Our total assets amount to an impressive $968,867,742, reflecting our strength and stability in the financial sector. We also take pride in our contributions to the local economy with total loans exceeding 34,888, helping individuals and families achieve their dreams while maintaining a solid net worth of $111,521,017. Our dedicated team of 213 employees, led by CEO Tony Aylsworth and Board President Nicolette Sledd, is here to assist you every step of the way. For any official correspondence, please send it to our mailing address: PO Box 189, Newburgh, IN 47629. We invite you to visit us or reach out via phone at 812-423-3171. Explore all that we offer by visiting our website at heritagefederal.org. Join us today at Heritage as we continue to build strong financial futures together!

Branch History & Mission

Join Us

As we continue to grow and serve the Evansville community, we invite you to become part of our story. Experience the benefits of membership with Heritage where your financial goals matter. Visit us during our operating hours: Monday through Thursday from 9 AM to 4 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12 PM. You can also reach us at (812) 423-3171 for any inquiries. Join us today and see how Heritage can help you achieve your financial dreams!

Our Mission

At Heritage, our mission is not just about numbers; it's about people. We believe in fostering a spirit of cooperation and community support. Our aim is to promote financial well-being while ensuring that every member feels valued and heard. Whether you're opening your first savings account or looking for financing options for your business, we're here to guide you every step of the way. While members can visit us at 5343 Pearl Dr for all their banking needs, official correspondence should be sent to PO Box 189, Newburgh, IN 47629 if different from our branch address.

Our Story

From our humble beginnings, Heritage has evolved alongside the needs of our community. We started as a small credit union focused on serving local families and businesses. Over time, we expanded our offerings to include a wide range of services such as personal banking, auto loans, mortgage refinancing, and business banking solutions. Our mission has always been clear: to empower our members by providing accessible financial solutions while supporting the local community through outreach initiatives and partnerships. In addition to traditional banking services, we have embraced modern technology to enhance member experience. Our online and mobile banking platforms ensure that members can manage their finances easily and securely from anywhere. We are proud to offer ADA-compliant facilities that cater to all individuals and provide shared service center options for those needing assistance from partner credit unions.

Branch Location & Accessibility

Accessibility Features

At Heritage, we prioritize accessibility for all members. Our branch is fully ADA-compliant, featuring ramps and spacious parking options that accommodate everyone. Whether you're visiting us for personal banking or business services, you'll find our friendly staff ready to assist you.

Connect with Us

If you have any questions or need assistance, feel free to give us a call at 812-423-3171. We're excited to welcome you into our branch and help you achieve your financial goals! Come visit us today!

Operating Hours & Services

We understand that life can be busy, so we offer convenient operating hours designed to fit your schedule. Our lobby is open Monday through Thursday from 9 AM to 4 PM, Fridays from 9 AM to 6 PM, and Saturdays from 9 AM to 12 PM. The drive-thru is available during the same hours for quick transactions without leaving your car. Our branch provides a variety of services including checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. Plus, if you need cash or wish to check your balance, our ATM is always available for your convenience. We also participate in shared services for those who are members of partner credit unions. While members can visit us at 5343 Pearl Dr, official correspondence should be sent to PO Box 189, Newburgh, IN 47629.

Member Eligibility

At Heritage, we believe that everyone deserves to be part of a caring and supportive financial community. Becoming a member is easy! If you live, work, worship, or attend school in the Vanderburgh County area or are related to someone who does, you're eligible to join us. We welcome individuals from all walks of life and prioritize creating a space where members can thrive financially. Plus, being part of Heritage means enjoying a range of benefits like competitive loan rates, personalized service, and access to convenient banking options. Ready to take the next step? Opening an account with us is straightforward and can be done online at your convenience. If you have any questions or need assistance, feel free to give us a call at (812) 423-3171. For more detailed information on eligibility criteria, check out our page at http://www.heritagefederal.org/about-us/membership-eligibility. Join us today at our Evansville branch located at 5343 Pearl Dr Evansville In 47712, and let's work together towards your financial goals!

Business Banking & Commercial Services

Business Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $270 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $30 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $83,069,137, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Transactions Easy

In addition to loans, our merchant services simplify payment processing for your business. Imagine a busy day where customers can pay seamlessly whether they're swiping a card or using mobile payments. With our services, managing transactions becomes easy so you can focus on what matters most: running your business. For more information about how Heritage can assist your business at our branch located at 5343 Pearl Dr, Evansville, IN 47712, call us today at 812-423-3171 or visit our website at heritagefederal.org. Let's work together to take your business to new heights!

Comprehensive List Of Services

Business Banking

At Heritage, we understand that running a business requires strong financial support. That's why we offer robust business banking services, including merchant services and business loans, designed to help you thrive in today's competitive landscape. Our knowledgeable staff will work with you to find the best solutions for managing cash flow and expanding your operations.

Digital Banking Convenience

In today's fast-paced world, having access to your accounts anytime and anywhere is crucial. That's why we offer comprehensive online and mobile banking features. With just a few clicks on our user-friendly platform, you can check balances, transfer funds, pay bills, and even deposit checks from the comfort of your home or while on the go. Additionally, our network includes convenient ATM and cash withdrawal services, ensuring you have access to your money whenever you need it. For simple transactions like deposits or withdrawals, our drive-thru banking makes it easy without leaving your car.

Personal Banking

Our personal banking services provide you with the tools you need to manage your everyday finances effectively. We offer checking and savings accounts that fit your lifestyle, ensuring you have easy access to your funds. Need a little extra cash for a new car? Our auto loans and vehicle financing options are tailored to make your purchase more affordable. If homeownership is on your horizon, look no further than our mortgage loans and refinancing services that can guide you through the process smoothly. For those unexpected expenses or plans that require additional funding, our personal loans and debt consolidation options can help you regain control of your finances. Plus, enjoy the benefits of our credit cards with rewards, making every purchase more rewarding.

Shared Branch Services

We also partner with other credit unions to provide basic shared branch transactions. This means if you're a member of another participating credit union, you can still conduct essential banking activities at our location without any hassle. If you're ready to explore all these fantastic services available at Heritage, visit us at 5343 Pearl Dr Evansville In 47712, call us at 812-423-3171, or check out our website here. We're excited to assist you in achieving all your financial goals!

Digital & Online Banking

Convenient Online Access

With our online banking platform, accessible at https://www.heritagefederal.org/, you can check balances, pay bills, and transfer funds anytime, anywhere. Our 24/7 online banking services mean you have the flexibility to manage your money on your own schedule. Plus, with electronic signature authorization available, signing documents has never been simpler or more secure.

Mobile Banking Made Easy

For those who prefer managing their finances from their smartphones, our mobile application offers a user-friendly experience right at your fingertips. You can access e-statements easily and enjoy features like mobile payments for quick transactions. Whether you're splitting a bill with friends through person-to-person transfers or making everyday purchases, our app keeps everything organized and straightforward.

Security You Can Trust

We prioritize your security. Our digital banking services incorporate the latest security measures to keep your personal information safe. With features like electronic signatures and secure logins, you can feel confident that your accounts are protected while you enjoy the convenience of online banking. At Heritage, we're committed to making your banking experience as accessible and hassle-free as possible. Explore all the ways we can help you manage your finances by visiting us at https://www.heritagefederal.org/ today!

Financial Strength

Growing Membership Base

With a total of 143,800 share accounts, we show a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments stand at $4,825,940, further showcasing our ability to support your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Heritage is your trusted partner. Visit us at 5343 Pearl Dr Evansville IN 47712 or call us at 812-423-3171 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $202,735,080 in share certificates and $63,234,088 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 focus solely on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our net income of $0, which positions us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 202 full-time employees and 11 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvestment for Better Services

With $95,338,983 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $11,750 in used auto loans and a total of $697,622,843 in loans and leases.

Strong Financial Health

With a net worth of $111,521,017, we maintain robust financial health that enables us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.50% demonstrates a solid capital foundation, ensuring we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $195,968,576 in used vehicle loans and $46,686,710 in new vehicle loans already helping members get on the road. Whether you're purchasing a new or used vehicle, we provide financing solutions that fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $83,069,137 provide the capital needed to grow and expand your business. We are committed to supporting local entrepreneurs and small businesses with competitive loan products designed for success.

Conclusion

Whether you need an auto loan, mortgage financing, or support for your business endeavors, Heritage has you covered. Our team is here to guide you through each step of the application process and discuss eligibility options that may work for you. For more information about our loan offerings or to speak with a representative, call us at 812-423-3171. 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 take the first step toward achieving your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $49,583,379, making buying or refinancing simple. We understand that every homebuyer's situation is unique, so we also offer refinancing options to help you manage your mortgage effectively.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $20,592,114 in loans helping members manage their finances effectively. These cards can be an excellent way to handle everyday expenses while building your credit.

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Heritage