0Primary Share Savings
- Convenient account access with online and mobile banking *requires separate enrollment
- Potential to earn dividends
- Free Debit Card
- Access to over 30,000 FREE ATMs within our network
- Available as overdraft protection for your checking account
Checking
We offer great checking account options with:
- No hidden charges
- No monthly service fees
- No per-check fees
- Free VISA® Debit Card
- Overdraft Protection options
Certificate
Save money the safe way with one of Heritage Financial Credit Union's Certificate Accounts! Open it online with ease and fund electronically up to $15,000. Want to fund with more? Simply mail a check,visit one of our convenient locations or give us a call at (845)561-5607.
- Earn a guaranteed dividend rate on your investment
- Short and long-term certificates tailored to your financial goals
- Save time with automatic renewal at maturity
To access Certificate rates CLICK HERE
Money Market
It's the best of both worlds! A Money Market with Heritage Financial Credit Union combines the benefits of a savings and checking account.
- Savings you can easily tap into
- Write checks off of funds in the account up to six times per month
- May yield higher dividends than a regular savings or checking
Heritage Super Saver
Whether you're saving for a walk down the aisle or a trip to a faraway shore, we are here to get you where you want to be with a Heritage Super Saver!
- Yields higher dividends the more you save
- Completely liquid, you can use funds whenever you need
- Dividends compound monthly
Additional Savings
This offers competitive dividends. Adding Direct Deposit will help the account grow automatically over time. Open as many Additional Savings as you need. Use this account to save for a variety of things, such as:
- Vacation you've been dreaming
- A new car, motorcycle or boat
- Prepare for your child's education
Grand Slam Savings
Membership has perks! Become a Heritage Financial Credit Union member through our all digital Heritage Financial Park membership. All you need to establish membership is the Grand Slam Savings account is a minimum deposit of $.01. With this high-yield; multi-tiered savings account, we want you to earn more. Ready to knock one out of the park with us?
Benefits:
- All digital account
- Convenient account access with online and mobile banking *requires separate enrollment
- E-Statements ONLY
- Higher-Yield Account
- Multi-Tiered Structure
- Available as overdraft protection for your checking account
- Free VISA® Debit Card
- Access to over 30,000 FREE ATMs within our network
Grand Slam Checking
Our all digital Heritage Financial Park membership is enhanced with our Grand Slam Checking! Although not required with your Grand Slam Savings, a Grand Slam checking will allow convenient access to your funds without carrying cash and easy access to your paycheck if you set up direct deposit. Ready to step up to the plate with us?
Benefits:
- All digital account
- Convenient account access with online and mobile banking *requires separate enrollment
- E-Statements Only
- No checks
- No hidden charges or service fees
- Free VISA® Debit Card
- Access to over 30,000 FREE ATMs within our network
- Overdraft Protection Option
Home Equity Loan
Reinvest in the life you have built with a home equity loan! This is a loan used by homeowners to borrow money. The equity of the home is used as collateral.
- Minimal closing costs
- Terms up to 20 years
- Fixed rate
- .50% rate reduction with autopay
Home Equity LOC
Establish a line of credit to fund your next home improvement project, or even your next vacation! The possibilities are endless with a HELOC where the home is used as collateral for the line of credit.
- Members only make payments on what they draw
- 25 year term-10 yr period, 15 yr repayment period
- During the draw period you are only required to pay interest you don't have to make any principal payments
Signature Loan
Credit Rebuilder
The Credit Rebuilder Loan Program helps you establish or re-establish your credit when other typical means are not available. It is not just a loan, but a program that gets you back on the right track toward meeting your long-term financial goals.
- Loan Amount up to $1000
- Terms up to 12 months
- We report your repayment behaviors to the credit bureau
Debt Consolidation
With our Debt Consolidation loans, it allows you consolidate your debts for a more manageable payment that will help your credit in the long run and your pocket.
- Decrease your debt
- Consolidate your high rate loans and credit cards into one convenient payment
Overdraft Line of Credit
Overdraft Line of Credit protection can cover those times when you may need more money than you have available in your checking account.
- Avoid fees returned or bounced payments
- Avoid the embarrassment of a declined transaction
- Build your credit
Personal line of Credit
Enjoy peace of mind and financial freedom with an unsecured personal line of credit. Known at HFCU as our Universal Line of Credit (Un-LOC), this product allows you the flexibility to access your money whenever you need it.
- Upcoming large expenses - wedding, tuition, home projects
- Debt consolidation
- Extra cash when low on savings
- No collateral needed
Auto
Boat
Motorcycle
Start cruising with this motorcycle loan.
Motorhome & RV
Get ready to see this great land of ours with an RV Loan. We have some of the most competitive rates around!