Financial Counseling & Education

At Heritage Financial Credit Union, we think it’s important for everyone to learn how to be responsible with money. We’ve brought together great financial education tools for all ages from students and teacher resources, games and FREE counseling.

Check out some of our great resources available to you by clicking the buttons below.


Financial Development Center Student & Teacher Resources Balance Financial Resources Banzai Financial Literacy

At Heritage Financial Credit Union we are always looking to provide opportunities. As a certified Community Development Financial Institution (CDFI), we are better able to provide extended opportunities to our communities and members that need it most.

What is a CDFI certification?

We earned our Community Development Financial Institution (“CDFI”) certification from the U.S. Department of Treasury’s CDFI Fund in December of 2019.

A CDFI helps promote access to capital and local economic growth in low income and developing communities across the nation.

This designation allows us to successfully pursue our purpose – providing equal access to the tools, resources and opportunities for learning for improved financial health for all communities, no matter their socio-economic standing.

HFCU is one of 20 CDFI Credit Unions in New York and the ONLY CDFI Credit Union in the Hudson Valley region.

Located at the Family Partnership Center in Poughkeepsie, NY the Financial Development Center, an Extension of Heritage Financial Credit Union, is here to provide confidential, no–cost financial counseling that can help guide you on your financial journey

Our counselors work with you to help identify your financial needs and goals and help create an action plan to support your financial empowerment. They can also help community members connect with safe and affordable HFCU financial products and services.

We are located at 29 N Hamilton St, First Floor Suite 110, Poughkeepsie, NY 12601

Learn about family services of poughkeepsie
Heritage FCU’s Grand Slam Offer

Teachers Lesson Plans

Pre-K – Grade 2

Grade 3 – Grade 6

Grade 7 – Grade 8

Grade 9 – Grade 12

College (Age 18 and up)

Students with Special Needs

Student Loan Toolkit

Play Clash Puzzler Page
Peter's Pig Money Counter Page

At Heritage Financial Credit Union, we want to help you achieve your financial goals, whether it means getting out of debt, buying your first home, saving for college or retiring. HFCU is proud to offer members BALANCE™ FREE Confidential Financial Resources. They provide online budgeting, advice and educational services that can help you easily understand how to manage your money. Questions? Call BALANCE™ toll-free at 888-456-2227 or visit

Heritage Financial Credit Union is bringing Banzai, a premium financial literacy program, to educators and students in your area for FREE. Teach real-world finance and practical life experience. Banzai lets your students practice managing their money and test their decision making skills. Best of all: it grades itself! Questions? visit for more details.