Heritage Financial

25 Rykowski Lane, Middletown, NY 10941

NCUA Insured4.3 (84 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1940

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Middletown, NY may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1940

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness Loans

Location & Directions

Address

25 Rykowski Lane

Middletown, NY 10941

Google Maps 🗺Waze

(845) 561-5607

Service Area

This credit union is located in Middletown and serves members in the NY area. Currently serving 56,575 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

7.07%

Used Auto Loan

8.04%

Personal Loan

12.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NY

Lowest rates currently reported by credit unions in NY (NCUA Q4 2025).

Niagara'S Choice— New Auto Loan

Niagara Falls, NY

1.74%

New York Times Employees— Used Auto Loan

New York, NY

2.49%

Palisades— Personal Loan

Pearl River, NY

2.99%

Eastern Operating Engineers— Credit Card APR

Whitestone, NY

3.99%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(14 total)

Member Reviews

4.3

84 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

cincere jackson

3 months ago

I absolutely adore the staff at this branch, every time i go they are absolutely amazing and kind and their management is just as great, i absolutely think that anyone that wants to or currently has this bank should continue or sign up for it. Shemar was an amazing help when i went in today! corporate should be proud!!

KL NY

4 months ago

I recently had the pleasure of working with Teresa Sicard at Heritage Financial Credit Union when applying for a Home Equity Loan. She was knowledgeable, professional, patient and kind. She quickly answered all my questions and made me feel very comfortable throughout the whole process. I would highly recommend this credit union and Teresa Sicard to anyone who may be seeking a Home Equity Loan.

Dr. R Cruz

5 months ago

The Middletown branch had been instrumental in helping me with all of my financial needs. Denise, John, Elisa are all wonderful helping me with all of my questions and their Customer Service, rock! Thank you Denice for helping me close the year seamlessly.

Eartha Butts

3 months ago

I just became a member in 2025…and I just love each and every one of employees at Heritage Financial Credit Union. Today I had the pleasure to work with Denise Thank you Denise💙