Credit union · NCUA insured
Heritage Financial Credit Union
A $801.8M credit union headquartered in Middletown, NY, with 57,460 members and 14 branches in 2 states. Best rates: CDs 4.25% APY.
Heritage Financial Credit Union Carrot Score
76
Carrot Score
Higher than 41% of U.S. banks and credit unions
#9 of 20 in Kiryas Joel, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Heritage Financial Credit Union
Heritage Financial Credit Union is a member-owned financial cooperative headquartered in Middletown, New York.
- Headquarters
- 25 Rykowski Ln, Middletown, NY 10941-4019
- NCUA charter
- 24985
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, volunteers, or attends school in Orange, Ulster, Dutchess, Putnam, or Rockland counties in New York; Pike County in Pennsylvania; or Passaic and Sussex counties in New Jersey.
Family and household
- Membership is open to anyone who has a family member that is a member in Orange, Ulster, Dutchess, Putnam, or Rockland counties in New York; Pike County in Pennsylvania; or Passaic and Sussex counties in New Jersey.
Branches
14 branches in 2 states
Loading map…
New York
12 branches
Kiryas Joel area · 10
- Heritage Financial CUMain office25 Rykowski Ln, Middletown, NY 10941Directions
- Heritage Financial CU273 Route 32, Central Valley, NY 10917Directions
- Heritage Financial CU103-104 Clowes Avenue, Goshen, NY 10924Directions
- Heritage Financial CU161 Dolson Ave # 5, Middletown, NY 10940Directions
- Heritage Financial CU17 Walnut St, Montgomery, NY 12549Directions
- Heritage Financial CU211 S Plank Rd, Newburgh, NY 12550Directions
- Heritage Financial CU2 Corwin Ct, Newburgh, NY 12550Directions
- Heritage Financial CU36 Boniface Dr, Pine Bush, NY 12566Directions
- Heritage Financial CU1476 Route 9D, Wappingers Falls, NY 12590Directions
- Heritage Financial CU131 E Main St, Washingtonville, NY 10992Directions
Kingston area · 2
- Heritage Financial CU234 Main St Ste 6B, New Paltz, NY 12561Directions
- Heritage Financial CU1 Hawk Dr Bldg SUNY-Adminstration, Lower level of Haggerty, New Paltz, NY 12561Directions
Pennsylvania
2 branches
- Heritage Financial CU113 Atlantic Avenue,, Dingmans Ferry, PA 18328Directions
- Heritage Financial CU111 Hulst Dr Ste 703A, Matamoras, PA 18336Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.26% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.61% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | Not reported | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $99 | $76 | — |
- CapitalNet worth ratio10.26%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.61%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assetsNot reportedPeers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$99Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Heritage Financial Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.