Heritage Financial Credit Union

Karen A _{on Google}

Dec 17th, 2023

I am so impressed with this Credit Union and especially with the Branch Manager, Karolina Szparaga! She is extremely knowledgeable and efficient. If you have questions, she addresses them immediately and even gives you advice on options that might be better. All the time, staying professional and never pushy. She is truly a breath of fresh air and is a total asset to this financial organization. I would highly recommend the Heritage Financial Credit Union in Goshen, NY.

Ray Bedell _{on Google}

Nov 21st, 2023

Heritage Federal Credit Union has an awesome staff of people that give you the small town feel that is so often left out with the big Banks. How many banks can you go to, that the teller knows your name? I would strongly encourage anyone looking to set up a bank account to consider this Bank! They are thorough friendly and pay attention to the smallest details! Karolina is hands down the best branch Manager that has ever helped me!

Michael Edelstein _{on Google}

May 15th, 2023

I have dealt with the Goshen branch of Heritage since it opened, always having a warm, competent and beneficial relationship. The current team at the branch is superlative. The manager, Karolina, is warm, helpful and extremely talented. The head teller, Delila, is fast and efficient, but warm and helpful to an uncommon degree. Yurianny rounds out the team in the best ways. The experience I crave when I relate to a financial institution is to have personal connection and care. I could not be happier with the quality of service at the Goshen branch of Heritage Financial. Bravo! They are a Grand Slam!!!!

Mike and Melissa Wolff _{on Google}

Aug 22nd, 2022

We had a great experience refinancing our auto loan with Karolina. She kept us informed and made the process quick and easy.

Asia Monae _{on Google}

Jan 7th, 2019

I have honestly & truly have had nothing but negative experiences with this bank as a whole entity IF I COULD I WOULD RATE IS NEGATIVE BELOW ZERO STARS because it's the worse bank you can ever!! Do business with.
I have an atm card for my savings account however I've NEVER been able to withdrawal my! Own money from the account. The pin has been changed with the bank which they have to issue you & send to you via mail & still it does not work. when I mentioned this issue to the teller she just tilted her head & said "oh that's strange it should work" never offering to change the pin or actually have me show her how it does not work so she can resolve it.
Also when you're approved for a loan with this bank & have other accounts with them. you are never made aware of the following potentially life changing important things. That ALL your accounts will be linked together so for example if you have a car loan, a credit card, & a personal loan with this bank, and you miss a payment for let's say your credit card & still pay your car note they can! & will! issue you a repo lean on your car!! Even if it was the credit card payment they missed I believe after 2 or 3months of missed payments all because all the accounts are linked together.!!
Also they don't advertise to you how even if you get gap insurance & have full coverage. For your vehicle that this lovely bank will still make you pay for the taxes & interest of your car in the event you get into a car accident which god forbid you could have died. & the car is deemed a total loss. This bank will still!!! have you paying a full car payment every month for a car that is no longer in their possession. Until those taxes & intetest on that car is paid. Off even with gap& full coverage insuranc.
Please be advised that unless you open another! Loan to consolidated this such totaled out car loan you will be paying out the wazoo (a full car payment monthly). So my advice for you looking for a bank is to stop!! & go some where else. They sell people false hope & disguise it as if they are helping someone's credit when really it's a deathrow prison sentence. Because that if you close all accounts with this bank after all these negstive experiences it will reflect poorly on their credit report.... so my advice to you is to never even bank with this bank let alone open up a savings account. You're better off building your credit on your own instead of even doing business with them. &
Last tobut not least. They have an awful pitbull Nicole in collections who will call your place of work threatening belittling you harassing you to humiliate you as she "does her job " by treating you as if you're trash just because you fell on hard times & missed 2or3 payments.
I wouldn't recommend this bank to my worse enemy. Or satan himself.
P.s they ask for surveys when they clearly have no intentions on changing how you do business & treat people. Plus their hours suck!!!!