To apply for a loan with Heritage Financial Credit Union you must live, work, worship, volunteer or attend school in, or be a business or other legal entity located in Orange (NY), Dutchess (NY), Pike (PA), Sussex (NJ), Sullivan (NY) or Ulster (NY) Counties, or have an immediate family member who is already a member of Heritage Financial Credit Union. You will be required to become a member prior to loan closing by opening a savings account with $0.01.  Get started with your loan application online or visit us at your nearest branch, which can be found here. If you need more information, contact us.

HFCU offers a variety of vehicle loans to best fit your needs. Please refer to the vehicle loans page for more information.

The fixed APR for a vehicle loan varies depending on the type of loan. Please refer to the vehicle loans table for more information.

HFCU offers a variety of calculators to help estimate your loan payments. For the Vehicle Loan calculator, click here.

If you are an online/mobile banking member, you can order checks by logging into your online banking. Once you login, select the Order Checks tab under the “Banking Services” menu. You can shop for check designs, customize your checks, and expedite your shipping if necessary. You can also order checks, view pricing, and explore check designs or related products online at our partner Harland Clarke. For more information or for further assistance, please contact us.

Check costs will vary by account type, quantity and style of checks ordered. For more information or for further assistance, please contact us.

Yes, you can customize your checks when ordering through Heritage Online/Mobile banking or through Harland Clarke.

To apply for a loan with Heritage Financial Credit Union you must live, work, worship, volunteer or attend school in, or be a business or other legal entity located in Orange (NY), Dutchess (NY), Sullivan (NY), Sussex (NJ), Pike (PA), or Ulster (NY) Counties, or have an immediate family member who is already a member of Heritage Financial Credit Union. You will be required to become a member prior to loan closing by opening a savings account with a $0.01 initial deposit.  Get started with your loan application online or visit us at your nearest branch, which can be found here. If you need more information, contact us.

HFCU offers a variety of mortgage loans to best fit your needs. Please refer to the mortgage loans table for more information.

The rate of a mortgage varies dependent on the mortgage type as well as other factors. Please refer to the mortgage loans table for more information.

A VA loan is a mortgage loan guaranteed by the United States Department of Veterans Affairs (VA). The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses.

An FHA loan is a mortgage insured by the Federal Housing Administration. Borrowers with FHA loans pay for mortgage insurance, which protects the lender from a loss if the borrower defaults on the loan. Less risk to the lender means more flexibility in guidelines, down payment requirements and most often lower rates.

Conventional loans are one of the most common mortgage types. Conventional mortgages offer stability through fixed rates as well as flexibility through adjustable-rate options. To learn more, click here.

Yes we do. Please contact one of our Mortgage Loan Originators (MLOs) for more information by clicking here.

Yes, we offer both. To learn more, click here.

Click here to view our mortgage disclosure.

A wire transfer is a method transferring funds or payment electronically by wire.

To send a wire transfer, either a domestic or international, you will need to visit one of our 14 branches to complete the necessary paperwork. Our staff will be able to assist you in doing this quickly and easily. We cannot process a wire transfer over the phone, mail or fax without first having written authorization in the form of a Wire Transfer Agreement. This agreement is available at all of our 14 branches and needs to be completed before initiating a wire where you are unable to come into a branch.

Wires can take up to 48 hours to fully process.

International wires require a ‘SWIFT’ code instead of a routing number. The SWIFT code consists of 8 to 11 of both numeric and alphabetic characters.

Yes, someone with your account information can wire funds directly to your Heritage Financial Credit Union account. To receive domestic wire transfers, you will need to provide the sender your account number and HFCU’s routing number. If the funds are being sent internationally, the wire must first be sent to Pacific Coast Banker’s Bank (PCBB) with instructions to further credit the account here at HFCU. Below is the information you will need to provide the other institution for PCBB.

Pacific Coast Banker’s Bank
Walnut Creek, CA 94596
ABA Routing Number 121042484
Swift Code PCBBUS66

Yes, please visit https://heritagefcu.com/resources/ to view our most current fees list on our fee schedule.

If you do not have enough funds in your account to cover a transaction for payment, Courtesy Pay allows the transaction to process. Each time a transaction processes without sufficient funds, the account will be charged a fee and the balance remains negative until the amount of the transaction and fee are repaid.

There is no limit on the number of transactions. However, once the negative balance reaches $500 on an account, transactions will no longer be covered by Courtesy Pay.

If an account has reached the $500 negative balance limit, the payment will be returned and Non-Sufficient Funds (NSF) fees will be charged to the account. These NSF fees will also add to the account negative balance.

Courtesy Pay will cover checks, ACH requests, electronic bill payments, debit card transactions and ATM withdrawals. (Please note: coverage for ATM/Debit Card transactions will only be turned on if we receive a signed opt in.) It will not cover transactions made at a branch. If a check is written against an HFCU checking account that the payee tries to either cash at a teller window, or deposit in an ATM, it will not be covered.

Yes. No matter the amount of overdraft from the account, the fee will always be the same. So please note that even a $5 debit card purchase could cost a fee if the account is overdrawn and Courtesy Pay is used to cover the difference.

No, it is not a line of credit. There is a fee each time Courtesy Pay is used. Any negative balance accrued using Courtesy Pay must be repaid.

You can sign-up for Courtesy Pay directly through the form on the Courtesy Pay page here.