¹Any Annual Percentage Yield (APY) provided in this disclosure assumes dividends will remain on deposit for at least one year for accounts with terms. Rates are effective as of 7/1/2024 and are subject to change at any time without notice. You may contact the Credit Union at (845) 561-5607 for current rate information. Fees, withdrawals, or other conditions could reduce earnings on any account. Rates may chance after account opening. Dividends are paid from current income and available earnings. All accounts are subject to the applicable terms and conditions set forth in the Membership Agreement & Disclosures, the Fee Schedule, and any agreement to which the Truth in Savings Disclosure and Membership Agreement references.
²Average daily balance per checking share. Minimum to open account is $0.00.
³All accounts must be in good standing in order to receive the stated Dividend Rate. Good standing means you have on deposit at least the par value of one full share in the regular share savings account, have no delinquent loans (payment is not more than 30 days late), and have a positive balance in all share accounts. Use of electronic services, minimum balance, and loan balances are required to earn reward APYs. If you do not qualify for a reward APY (minimum Reward, Basic), you will earn the basic reward default APY.
⁴Dividends are compounded quarterly and credited quarterly.
⁵Dividends are compounded monthly and credited monthly.
⁶A substantial penalty will be assessed for early withdrawal. Fixed rates for accounts with specific maturities are in effect until maturity. For share certificate accounts withdrawals of principal are allowed with substantial penalty for early withdrawal. Withdrawals of principal will result in a penalty equal to 90 days dividends for certificates with maturities of one month to 12 months, 180 days dividends for a 13 to 23 month certificate and a penalty equal to 365 days dividends for the 24 to 36 month certificates. Certificates with maturities of 37 months to 60 months are subject to a penalty equal to 540 days. This penalty is applied whether or not the dividends have been accrued. Transaction Limitation for share certificates; after the account is opened, additional deposits are not allowed. This penalty is applied whether or not the dividends have been accrued.
⁷The 5 month certificate at 4.00% fixed APY is based on a dividend rate of 3.94%. The minimum to open the account and earn the stated APY is $2,500 in new money. **“New money” is defined as funds not currently on deposit with HFCU. Transfers from existing HFCU accounts do not qualify. Funds withdrawn from an existing HFCU account and redeposited within 30 days do not qualify as new money. The 12 month certificate at 3.75% fixed APY is based on a dividend rate of 3.70%. The minimum to open the account and earn the stated APY is $500. Withdrawals, maintenance or activity fees will reduce stated earnings.
⁸For share certificate accounts that automatically renew for another term, there is a grace period of 10 days after maturity in which to withdraw funds or make changes to the share certificate account without being charged an early withdrawal penalty. Certificate specials will automatically renew into the standard certificate rate with the same certificate term. Withdrawals of credited dividends are allowed without penalty at quarter end.  Withdrawals of principal are allowed with substantial penalty for early withdrawal. Early withdrawals from IRA accounts are not allowed and will result in a penalty. Dividends from IRA share certificates can be withdrawn, but will be subject to a penalty. Withdrawals of principal will result in a penalty equal to 90 days dividends for certificates with maturities of one month to 12 months, 180 days dividends for 13 to 23 month certificates and a penalty equal to 365 days dividends for the 24 to 36 month certificates. Certificates with maturities of 37 months to 60 months are subject to a penalty equal to 540 days. This penalty is applied whether or not the dividends have been accrued. Transaction Limitation for share certificates; after the account is opened, additional deposits are not allowed. This penalty is applied whether or not the dividends have been accrued. The rates are subject to change at any time. This is a limited-time offer and may be withdrawn at any time. This offer is available for personal or business purposes, IRA, and Coverdell Education Savings accounts.

⁹Account Disclosures

Qualification Information:

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, credit card purchases, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

“Monthly Qualification Cycle” means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle.

Contact one of our branch service representatives for specific Monthly Qualification Cycle dates.

“Banking Day” means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions or for processing.

“Business Day” means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, June 19, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, June 19, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day.

“Statement Cycle” means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. Contact one of our branch service representatives for specific Statement Cycle dates.

Reward Information:

When your Heritage High Yield Checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 in your Heritage High Yield Checking account earn a dividend rate of 4.89% resulting in a non-compounding APY* of 5.00%; and daily balances over $25,000 earn a dividend rate of 0.25% on the portion of the daily balance over $25,000, resulting in a non-compounding blended APY range from 1.20%% to 5.00%% APY depending on the account’s daily balance. Blended APY calculation is based on an assumed total account balance of $125,000, when qualifications are met.

When Heritage Cash Back Checking qualifications are met during a Monthly Qualification Cycle, you will receive 5.00% cash back on up to a total of $500 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $25.00 cash back payments may be earned per Monthly Qualification Cycle.

Heritage High Yield Savings dividend rate on balances up to and including $150,000 is 2.23%, resulting in 2.25% APY.  Balances over $150,000 earn a dividend rate of 0.25%, resulting in a blended APY range of 2.25% to 1.45% depending on balance in account.  Blended APY calculation is based on an assumed total account balance of $250,000, when qualifications are met. When Heritage High Yield Checking qualifications are not met, the interest rate earned on the entire balance in the Heritage High Yield Savings account will be .05% resulting in an APY of .05%When your Heritage High Yield Checking qualifications are not met, the dividend rate earned on the account’s entire daily balance will be 0.25% resulting in a non-compounding annual percentage yield of 0.05%. In addition, the entire daily balance in the Heritage High Yield Savings account earns a dividend rate of .05% resulting in an annual percentage yield of .05%.

Dividends will be credited to your Heritage High Yield Checking and Heritage High Yield Savings accounts on the last day of the current statement cycle.

When your Heritage Cash Back Checking account qualifications are not met, no cash back payments are made and ATM surcharge fees are not refunded.

Cash back payments and nationwide ATM surcharge fee reimbursements will be credited to your Heritage Cash Back Checking account on the last day of the current statement cycle.

When your Heritage Cash Back Checking account qualifications are not met, no cash back payments are made and ATM withdrawal/surcharge fees are not refunded. Your Heritage High Yield Savings account earns a dividend rate of .05% resulting in an annual percentage yield of .05% APY.

Dividends from your Heritage Cash Back Checking account will be credited to your linked Heritage High Yield Savings account on the last day of the current statement cycle.

* Note: When linked to a Heritage High Yield Savings account, the dividends earned within the Heritage High Yield Checking account do not compound since it, along with any nationwide ATM surcharge fee reimbursements up to $4 per transaction are automatically transferred to the Heritage High Yield Savings account within one day. This automatic transfer may cause an overdraft to your Heritage High Yield Checking account, if the account balance is less than the transferred amount when the transfer occurs.

APY = Annual Percentage Yield.

APYs accurate as of 2/9/2026.

APY calculations are based on an assumed balance of $25,000 + $100,000 in your Heritage High Yield Checking account and $150,000 + $100,000 in your Heritage High Yield Savings account and an assumed statement cycle of thirty-one (31) days.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:

Membership restrictions may apply.

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

$25.00 minimum deposit is required to open the Heritage High Yield Checking account.

No minimum deposit is required to open the Heritage Cash Back Checking account.

No minimum deposit is required to open the Heritage High Yield Savings account.

Monthly Direct Deposit/ACH credit, and enrollment in eStatements are conditions of these accounts.

Heritage High Yield & Cash Back Checking: ATM surcharge refunds are available up to $4 per transaction and do not cover any internal or institution-assessed ATM fees. HFCU will cover institutional and internal ATM fees for the first four transactions each month.

Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account’s qualifications.

Limit of one account per member (SSN).

There are no recurring monthly maintenance charges or fees to open or close this account.

This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.

A Heritage High Yield Checking account is required to have a Heritage High Yield Savings account.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Federally insured by NCUA

For information on our 10 or 20 year mortgage offerings, please connect with a member of our mortgage team by visiting this webpage. Our knowledgeable Mortgage Loan Originators are available to provide personalized assistance and help you find the option that best fits your financial goals!

7 APR=Annual Percentage Rate. Actual rate may vary based on credit worthiness and down payment, if applicable. All extensions of credit are subject to credit approval. Rates shown are lowest offered for the loan products advertised. Applicants that are not approved for these loan rates or terms may be offered credit at a higher rate and/or with different terms. The representative monthly payment based on a 5-year term Personal Loan at 9.99% Annual Percentage Rate is $21.24 per $1,000 borrowed. All rates and terms are subject to change without notice. Offer may be withdrawn at any time without notice. Contact a credit union employee for further details. Other terms and conditions may apply.

8 As an example: A 60-month loan with a fixed rate of 4.74% APR would result in a payment of $18.75 per month for each $1,000 financed. Up to 125% financing is also available for qualified borrowers. Maximum term is 84 months; other terms are available.

9 All rates quoted include a 0.50% reduction for members who authorize payment of their HFCU loan through an automatic electronic funds transfer, debited from any account.

10 The maximum APR that may be imposed is 18.00%.

11 As an example: a 180-month term and a 70% total loan-to-value for a home equity loan with a fixed rate of 6.25% APR would result in an estimated payment of $8.54 for each $1,000.00 financed.

12 Subject to a 3.00% floor rate. There are certain draw down, balance requirements, and loan-to-value restrictions which may apply. For variable-rate loans, the APR may increase after consummation. Home Equity Lines of Credit closed out prior to their anniversary dates will be subject to the addition of all waived closing costs to the payoff balance.  The rate is based on the current published WSJ prime minus a margin of .50%.  The margin is based on credit worthiness and will vary.

13 Subject property must be located in the state of New York and be 1st lien position; appraisal is required. Must be 1- to 4- family dwelling, no manufactured homes. As an example: Loan amount is $417,000 with a 360 month term at a fixed rate of 3.75% with a 60% LTV would be $46.32 for each $10,000 borrowed. Taxes and insurance are not included; therefore the actual payment obligation will be greater.

14 ARM = Adjustable-Rate Mortgage.  Adjustable-Rate Mortgages are variable and the Annual Percentage Rate (APR) may increase or decrease after the original fixed rate period.  That change can increase or decrease the monthly payment.  After the original fixed rate period, the rate will adjust every 6 months (semiannually) for the remainder of the term of the loan.  The APR will vary based on a predetermined index (the 30-Day Average SOFR as published in the Wall Street Journal or by the Federal Reserve) plus a margin (3.00%) and rounded to the nearest 1/8^th of one percent.  The 5/6m and 7/6m ARM loans have a floor rate of 3.00%, a first rate change cap of 1.00%, and a lifetime cap of 5.00% from the initial rate.  For subsequent rate changes, the 5/6m ARM has a semiannual adjustment cap of 2.00%, and the 7/6m ARM has a semiannual adjustment cap of 5.00%. Rates on 5/6m ARMs are fixed for the first five years and then will adjust every 6 months for the term of the loan.  Rates on 7/6m ARMs are fixed for the first seven years and will then adjust every 6 months for the term of the loan.  Rates are subject to credit union lending guidelines. 

15 Maximum term is 180 months; other terms are available. Payment Example: A 60-month loan with a fixed rate of 6.50% APR would result in a payment of $19.57 per month for each $1,000 financed. Up to 100% financing is also available for qualified borrowers.

16 Maximum term is 60 months; other terms are available. Payment Example: A 60-month loan with a fixed rate of 7.49% APR would result in a payment of $20.03 per month for each $1,000 financed. Up to 100% financing is also available for qualified borrowers.

17 As of December 15, 2025, the 10.75% Annual Percentage Rate (APR) is available on the Universal Line of Credit (Un-LOC) and subject to change. The APR is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal (currently 6.75%). The margin will be based on credit worthiness and will vary, based on credit, from 4.00% to 11.00%. The maximum rate is 25.00% APR. Maximum loan amount up to $50,000. There are no annual fees. Minimum monthly payments based on 2.00% of outstanding balance (payment of $20.00 per month based on $1,000 balance). Rates are subject to change. Subject to credit approval, eligibility and credit qualifications. The Universal Line of Credit may be reduced or additional extensions of credit limited if certain circumstances occur. Approval for personal line of credit requires having a new or existing share account with the credit union.