Middletown, NY · Federal Credit Union · Chartered in NY
Who can join
Employer / occupational group
Members
57,460
Net Worth Ratio
10.26%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$801.8M
Total Shares
$664.9M
Total Loans
$652.4M
Net Income
$282K
Net Worth Ratio
10.26%
≥7% = Well Capitalized
Members
57,460
Return on Assets
0.04%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.88%
$5.7M
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 623 | 580 | 43 | 93.1% | 6.9% |
| 2022 | 302 | 281 | 21 | 93.0% | 7.0% |
| 2021 | 557 | 543 | 14 | 97.5% | 2.5% |
Last 12 Months
25
Since 2018
92
all complaints on record
Monetary Relief
0%
% of complaints with monetary relief
Untimely Response
9%
% exceeding 15-day window
Monthly Complaints (2021–present)
Data through Jun 2026.Last 12 months shown — upgrade for full history.
Heritage Financial CU
25 Rykowski Ln, Middletown, NY, 10941-4019
M-Th 8:30am-5pm Fri 8:30am-6pm Sat 9am-2pm 24 Hour ATM Summer Sat Hours: 9 AM to 1 PM
Heritage Financial CU
2 Corwin Ct, Newburgh, NY, 12550-5107
M-Th 8:30am-5pm Fri 8:30am-6pm Sat 9am-2pm 24 Hour ATM Summer Sat Hours: 9 AM to 1 PM Lobby Access ? M-Th Lobby closed 4 PM, drive-thru open 4 PM to 5 PM ? Fri Lobby closed 6 PM, drive-thru closed 6 PM
Heritage Financial CU
273 Route 32, Central Valley, NY, 10917
M-Th 8:30am-5pm Fri 8:30am-6pm Sat 9am-2pm 24 Hour ATM Summer Sat Hours: 9 AM to 1 PM
Heritage Financial CU
234 Main St Ste 6B, New Paltz, NY, 12561-1352
M-Th 8:30am-5pm Fri 8:30am-6pm Sat 9am-2pm 24 Hour ATM Summer Sat Hours: 9 AM to 1 PM
Heritage Financial CU
1 Hawk Dr Bldg SUNY-Adminstration, New Paltz, NY, 12561-2447
M/W/F 10am-3pm 24 Hour ATMs
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<a href="https://bankscorer.com/credit-union/heritage-financial" target="_blank" rel="noopener">View HERITAGE FINANCIAL on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 98.1%· healthy range 60–80%
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2021–2025 locked
Full 2021–present history available — see pricing from $14/mo.
Heritage Financial CU
17 Walnut St, Montgomery, NY, 12549-2231
M-Th 8:30am-5pm Fri 8:30am-6pm Sat 9am-2pm 24 Hour ATM Summer Sat Hours: 9 AM to 1 PM Lobby Access ? M-Th Lobby closed 4 PM, drive-thru open 4 PM to 5 PM ? Fri Lobby closed 6 PM, drive-thru closed 6 PM
Heritage Financial CU
161 Dolson Ave # 5, MIddletown, NY, 10940-6538
M-Th 8:30am-5pm Fri 8:30am-6pm Sat 9am-2pm 24 Hour ATM Summer Sat Hours: 9 AM to 1 PM Lobby Access o M-Th Lobby closed 4 PM, drive-thru open 4 PM to 5 PM o Fri Lobby closed 6 PM, drive-thru closed 6 PM
Heritage Financial CU
131 E Main St, Washingtonville, NY, 10992-1724
M-Th 8:30am-5pm Fri 8:30am-6pm Sat 9am-2pm 24 Hr ATM Summer Sat Hours: 9 AM to 1 PM ? Temporarily Closed on Sat beginning June 15th Lobby Access: ? M-Th Lobby closed 4 PM, drive-thru open 4 PM to 5 PM ? Fri Lobby closed 6 PM, drive-thru closed 6 PM
Heritage Financial CU
103-104 Clowes Avenue, Goshen, NY, 10924
M-Th 8:30am-5pm Fri 8:30am-6pm Sat 9am-2pm 24 Hour ATM Summer Sat Hours: 9 AM to 1 PM Lobby Access ? M-Th Lobby closed 4 PM, drive-thru open 4 PM to 5 PM ? Fri Lobby closed 6 PM, drive-thru closed 6 PM
Heritage Financial CU
36 Boniface Dr, Pine Bush, NY, 12566
M-Th 8:30am-5pm Fri 8:30am-6pm Sat 9am-2pm 24 Hour ATM Summer Sat Hours: 9 AM to 1 PM ? closed on Sat beginning on June 15th Lobby Access o M-Th Lobby closed 4 PM, drive-thru open 4 PM to 5 PM o Fri Lobby closed 6 PM, drive-thru closed 6 PM
4 more locations not shown.