Heritage Financial Credit Union
Routing number 221978791 · from heritagefcu.com, checked 10 July 2026Confirm it on a cheque or with the credit union before you send money.
Recorded in the U.S. National Credit Union Administration (NCUA) registry
Heritage Financial is a member-owned, state-chartered credit union based in Middletown, NY, United States. It serves approximately 58,517 members and holds around $808.0 million in total assets. Member deposits are federally insured by the National Credit Union Administration (NCUA).
Key facts
- Address
- 25 Rykowski Lane
- Postal code
- 10941
- Members
- 58,517
- Total assets (approx.)
- $808.0 million
- Charter
- State-chartered
- Deposit insurance
- NCUA (NCUSIF)
- Phone
- (845) 561-5607
- Routing number
- 221978791
- Sector
- Credit Unions & Banking
- Country
- 🇺🇸 United States
Reports more members than 89% of the 4,214 credit unions & banking listed in United States that report a member count.
Products & services
- Checking accounts
- Savings accounts
- Auto loans
- Mortgages
- Home equity / HELOC
- Credit cards
- Personal loans
- Business banking
Compiled from Heritage Financial Credit Union’s website. Confirm current products and terms on their site.
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Credit Unions & BankingView details →About credit unions & banking cooperatives
Credit unions and banking cooperatives are financial institutions owned by their members rather than outside shareholders, returning value through better rates and lower fees.
Cooperatives in United States
The United States has 4,214 federally insured credit unions with 146.1 million members (NCUA, June 2026), alongside thousands of agricultural, electric and worker cooperatives.
This listing is sourced from public records published by the National Credit Union Administration (NCUA).
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Cooperatives.com is a directory. It cannot see or change your account, or pass a message on. Contact Heritage Financial Credit Union directly, or use the regulator: NCUA consumer help ↗
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