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Community. It's where we live, work and grow. Strong communities thrive when people support local jobs and businesses. That's what Heritage Financial Credit Union is all about. We exist solely to empower and support the financial growth of our people and our communities. We offer all of the full service capabilities as a big bank: checking, savings, loans, online banking and much more - but we don't pay shareholders. Earnings are put back in the form of lower rates, member dividends, jobs, community support, financial literacy and philanthropy. For over 80 years, we've been helping members achieve their financial goals. Since, 1940, HFCU has been a not-for-profit cooperative association. Member accounts are fully insured up to $250,000 by the NCUA. Anyone who lives, works, worships, or goes to school in Orange, Ulster, Dutchess, Rockland, Sussex, or Pike counties can open an account with as little as $5. Mission: We are more than a bank. We believe in our members and employees ? in their stories, both past and yet to be written. We are the combined heritage of generations who care about and support each other to provide lasting contributions in our communities. We are committed to creating opportunities for people by providing necessary tools, resources and education to make possible the achievement of their goals, hopes and dreams.