Heritage Credit Union Mount Vernon IN | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Heritage, your trusted credit union located at 321 Main St, Mount Vernon, IN 47620. Since our establishment in 1965, we have been dedicated to serving our community and providing financial solutions tailored to meet the unique needs of our members. With a strong membership base of 65,249, we take pride in being a cornerstone of support for families and businesses alike. At Heritage, we understand that your financial well-being is paramount. That's why we manage over $968 million in total assets and maintain a robust net worth of $111,521,017. Our commitment to you extends beyond just numbers; it reflects our dedication to helping you achieve your financial goals. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, we've got you covered. While you can visit us at our branch address for all your banking needs, please note that official correspondence should be sent to our mailing address at 8266 Bell Oaks Dr, Newburgh, IN 47630. Our friendly team, led by CEO Tony Aylsworth and Board President Nicolette Sledd, is here to help you navigate your financial journey with confidence. In addition to traditional banking services, we offer modern conveniences such as online and mobile banking, making it easier than ever for you to manage your finances on the go. We also provide a wide range of loan options with a total of 34,888 loans and leases, ensuring that there's something for everyone. At Heritage, we believe that together we can build a stronger community. Join us today by visiting our website at heritagefederal.org or calling us at 812-853-7306. Experience the difference of being part of a credit union that truly cares about its members!

Branch History & Mission

Heritage Credit Union, located at 321 Main St in Mount Vernon, IN, has a rich history that dates back to its opening in 1965. From its humble beginnings, Heritage has grown into a trusted financial partner for the community, serving over 65,000 members with total assets exceeding $968 million. Our commitment to supporting individuals and families is evident in everything we do. Over the years, Heritage has evolved significantly. Initially focused on basic banking services, we've expanded our offerings to include personal banking, auto loans, mortgages, business banking services, and a robust suite of digital banking options. This growth reflects our dedication to meeting the diverse needs of our members while staying attuned to changes in the financial landscape. At Heritage, we believe in making a positive impact on our community. Our mission is not just about providing financial services but also about fostering strong relationships and supporting local initiatives. We strive to empower our members by offering tools and resources that promote financial wellness and stability. Our team is dedicated to providing exceptional service in a welcoming environment. While you can visit us at our branch location on Main St., official correspondence should be sent to our mailing address at 8266 Bell Oaks Dr, Newburgh, IN 47630. We offer convenient operating hours: Monday through Thursday from 9 AM to 4 PM; Friday from 9 AM to 6 PM; and Saturday from 9 AM to noon by appointment only. Heritage is equipped with modern amenities like an ATM and drive-thru banking services for added convenience. We also have shared service centers available for members who may need access outside of our traditional branch hours. Our community outreach efforts are numerous. We partner with local organizations to support education, health initiatives, and economic development within Mount Vernon and surrounding areas. These partnerships amplify our mission of being not just a bank but a vital part of the community's fabric. We invite you to join Heritage Credit Union today and experience the benefits of being part of a member-focused organization committed to your financial success. Explore how we can assist you on your financial journey by visiting us or calling us at 812-853-7306. Together, let's build a brighter future!

Branch Location & Accessibility

Convenient Access

At Heritage, we understand that convenience matters. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and parking options to ensure everyone can visit us comfortably. You'll find ample parking spaces available for both standard and accessible vehicles. For your banking needs on the go, we offer ATM services right at the branch. Whether you need cash or want to check your balance, it's all just a quick visit away! Additionally, if you prefer the drive-thru option for your transactions, we've got you covered there too our drive-thru service is available during regular operating hours.

Operating Hours

We strive to accommodate your schedule with flexible operating hours. Our lobby is open Monday through Thursday from 9 AM to 4 PM, Friday from 9 AM to 6 PM, and Saturday by appointment only from 9 AM to 12 PM. The drive-thru follows the same schedule, ensuring you have multiple ways to connect with us throughout the week.

Services Offered

Heritage Credit Union offers a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we are here for you every step of the way. If you're interested in business banking or need assistance with online and mobile banking services, don't hesitate to ask our staff when you visit!

Visit Us Today!

We invite you to come by and experience the Heritage difference for yourself! If you have any questions before your visit or would like assistance over the phone, feel free to call us at 812-853-7306. Our team looks forward to welcoming you soon!

Member Eligibility

At Heritage, we believe in building a community where everyone feels welcome and supported. Becoming a member is not just about opening an account; it's about joining a family that cares for your financial well-being. If you live, work, worship, or attend school in Posey County or surrounding areas, you are likely eligible to join us! We also welcome immediate family members of current members, making it easy to include loved ones in our caring community. For more specific details on eligibility, feel free to check out our website at this link. Opening an account with us is straightforward and hassle-free. You can start your journey towards membership by visiting us at 321 Main St, Mount Vernon, IN 47620, or by calling us at 812-853-7306 if you have any questions. Ready to take the next step? You can easily apply online through this account opening link. Join Heritage today and enjoy the benefits of being part of a credit union that truly values its members!

Business Banking & Commercial Services

Merchant Services That Make a Difference

In today's fast-paced world, efficient payment solutions are crucial. Our merchant services offer businesses the tools they need to accept payments easily, whether in-store or online. Imagine a busy Saturday at your café your customers can quickly pay with their cards or mobile wallets, ensuring a smooth experience that keeps them coming back. Explore how our business banking services at 321 Main St Mount Vernon In 47620, Mount Vernon, IN can help your business thrive. Call us at (812) 853-7306 to learn more!

Tailored Loan Solutions

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.

Comprehensive List Of Services

Accessibility & Support

We know how important it is for you to have easy access to your finances. That's why we offer basic ATM access for quick withdrawals and balance checks whenever needed. Our branch is open during convenient 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 (by appointment only). Should you have any questions or require assistance with any service, feel free to give us a call at 812-853-7306. At Heritage in Mount Vernon, IN, we pride ourselves on being more than just a credit union; we're a community partner committed to helping you achieve financial success. Explore all that we have to offer by visiting our website or stop by the branch today!

Business Banking Services

For our business members, Heritage provides a suite of business banking solutions including essential merchant services and business loans. We understand the unique challenges businesses face and strive to support your growth with the right financial tools.

Digital Access & Convenience

Our commitment to convenience shines through our robust online and mobile banking platforms. You can easily check balances, transfer funds, pay bills, and even send money to friends through our person-to-person payment feature. Plus, with our accessible ATMs and cash withdrawal services located throughout the area, getting cash when you need it is straightforward.

Drive-Thru & Shared Branch Services

For those who prefer in-person transactions without the wait, we have basic drive-thru banking available for deposits, withdrawals, and simple transactions. Furthermore, if you're a member of one of our partner credit unions, you can enjoy basic shared branch transactions at Heritage too!

Personal Banking Solutions

We offer various personal banking options tailored for you. Our checking and savings accounts help you manage your daily expenses while saving for future goals. If you're in need of financing, consider our auto loans and vehicle financing, perfect for purchasing that new car or truck you've been eyeing. For those looking at homeownership or refinancing, our mortgage loans provide flexible terms that fit your budget. Additionally, if you're facing unexpected expenses or planning a major purchase, our personal loans and debt consolidation options can ease your financial burden. To reward you for using our services, we also offer credit cards with rewards, allowing you to earn points on your purchases.

Digital & Online Banking

E-Statements & Mobile Features

Say goodbye to paper statements! With e-statements available, you'll receive your account statements electronically, which is not only eco-friendly but also helps you keep track of your finances more efficiently. If you're always on the move, our mobile application makes banking even simpler. You can easily make mobile payments and send money directly to friends and family with our person-to-person transfer feature. It's like having a bank branch right in your pocket!

Online Banking Services

Our 24/7 online banking services allow you to take control of your finances with just a few clicks. Check your account balances, pay bills, and transfer money all from the comfort of your own home. Plus, our electronic signature authorization feature means you can sign documents securely without needing to visit a branch in person.

Security and Accessibility

At Heritage, we prioritize your security. Our digital banking features are designed with advanced security measures to protect your personal information. You can bank with confidence knowing that we're committed to keeping your data safe while providing you with easy access to real-time account management. Join us at Heritage today and experience the benefits of modern banking with our comprehensive digital services. For more information, visit us online at https://www.heritagefederal.org/ or give us a call at (812) 853-7306. Your financial well-being is just a click away!

Financial Strength

Commitment to Operational Efficiency

Our efforts reflect positively in our operations; our $2,198,209 highlights our operational efficiency. This ensures we can continue offering competitive loan rates and solid financial products for our members.

Dedicated Team Ready to Serve You

We take pride in having 202 full-time employees and 11 part-time employees. This dedicated team is always ready to assist you with personalized service.

Growing Member Base

Total Share Accounts stand at 143,800, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) total $4,825,940, reinforcing our capacity to meet 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 321 Main St Mount Vernon In 47620 or call (812) 853-7306 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Solutions

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 are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvestment for Better Services

With $95,338,983 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 with $11,750 in used auto loans and $697,622,843 in total loans and leases.

Solid Financial Health

With a net worth of $111,521,017, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.50% demonstrates a solid capital foundation, ensuring that 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. We provide flexible terms and competitive rates that ensure you can drive off in your desired vehicle without breaking the bank.

Business Financing

For business owners looking to grow and expand, our outstanding commercial loans totaling $83,069,137 provide the capital needed to take your business to the next level. Whether it's investing in new equipment or expanding operations, we are here to support your entrepreneurial journey.

Credit Card Loans

For those needing extra flexibility in managing their finances, we also offer unsecured credit card loans with a total of $20,592,114 in loans helping members effectively navigate their spending. With easy access and manageable terms, our credit cards can be a great tool for budgeting and emergencies alike.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $49,583,379, making it easier for you to secure your dream home or improve your current living situation. Our knowledgeable staff is ready to guide you through every step of the mortgage process.

Refinancing Options

If you're considering refinancing an existing loan or exploring eligibility options for any of our products, our team is here to help. We strive to ensure that every member finds the best possible financing solution tailored to their financial situation. Feel free to reach out at 812-853-7306 for more information on how we can assist you with our various loan offerings. You can also visit us online at Heritage Federal Credit Union for details about eligibility and account opening. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let Heritage be your partner in achieving financial success!

Loan Aggregator

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HERITAGE FEDERAL CREDIT UNION - Mount Vernon, IN

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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