Business Details
50+ Years
experience
Your Trusted York, PA Credit Union for All Financial Needs
Heritage Valley Federal Credit Union has served the financial needs of York County and surrounding areas since 1935. As a member-owned cooperative, we prioritize personalized service and community development over profit-driven motives. Our commitment to financial education and technological innovation ensures members access to modern banking tools while maintaining competitive rates on loans, savings products, and credit solutions.With expanded membership eligibility across four Pennsylvania counties, we continue delivering the credit union difference through democratic governance, member economic participation, and a focus on local community impact. Our 90-year heritage reflects a steadfast dedication to helping members build financial stability through every stage of life.
Services
Checking Accounts
Savings Accounts
Personal Loans
Mortgage Refinance
Online Banking
Credit Cards
Home Equity Loans
Business Banking
Financial Education
Mobile Banking
Details
- Year established: 1935
Highlights and features
- We've served York County communities for 90 years with personalized financial solutions
- Member-owned structure ensures profits return to account holders through better rates
- Local decision-making enables faster loan approvals and tailored service
- Community reinvestment programs support local nonprofits and economic development
- 24/7 digital banking with award-winning mobile app convenience
Services
Personal Loans
Flexible personal loan options with competitive rates for debt consolidation, major purchases, or unexpected expenses. Our streamlined approval process ensures quick access to funds while our financial counselors help determine optimal repayment terms. Available to qualified members with personalized rate options based on credit history and financial profile.
Mortgage Refinance
Mortgage refinancing solutions designed to reduce monthly payments, shorten loan terms, or access home equity. We offer fixed and adjustable rate options with low closing costs. Our local loan officers provide personalized guidance through the refinancing process while maintaining competitive rates for qualified applicants.
Online Banking
24/7 digital banking platform with bill payment, mobile check deposit, and real-time account monitoring. Our award-winning mobile app features budgeting tools, card controls, and secure messaging. Integration with financial management software enables comprehensive money tracking while maintaining industry-leading security protocols.
Credit Cards
Low-rate credit card options with rewards programs and purchase protection benefits. We offer tailored credit-building solutions for various credit profiles while our rate checker tool helps determine eligibility. Cardholders receive zero liability protection and global acceptance through the Visa network.
Financial Education
Comprehensive financial literacy resources including budgeting tools, credit counseling, and investment education. Our members access free workshops, personalized financial coaching, and digital learning modules. These resources support informed decision-making for achieving short-term financial goals and long-term wealth building.
Questions
How do I become a member?
Membership is open to anyone living, working, worshiping, or attending school in Adams, Cumberland, Dauphin, or York counties. Apply online or visit any branch location to open an account.
What loan types do you offer?
We provide personal loans, auto loans, mortgages, home equity loans, business loans, and credit cards. Our loan officers help determine the best option based on your financial situation and credit profile.
Is my money insured?
Yes, all deposits are federally insured up to $250,000 by the NCUA, with additional coverage available through the MSIC corporate credit union network.
Do you have mobile banking?
Our award-winning mobile app offers check deposit, bill payment, card controls, and real-time alerts. Download the Heritage Valley FCU app from your device's app store.
What are your routing number and SWIFT code?
Our routing number is 231387385. For international transfers, contact us directly to obtain the required SWIFT/BIC code for your transaction.
How do I report a lost card?
Call our 24/7 card assistance line at 1-800-472-3272 immediately to report lost or stolen cards. You can also lock/unlock cards through the mobile banking app for added security.
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Reviews (1)
April Reeser
Oct 16, 2014
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Very very disappointed in this institution. Have used them for YEARS, have recommended friends and family to use them and they ALL have, and they have made a lot of money off of mine and their interest. I have never ever been late on any payments of any kind with them or any other creditor. Recently requested an increase on my current Visa with Heritage and I was "denied" because they felt my debt to income was too great and I "might" not pay them if something were to happen to me even though I always get the protection plans on every loan or credit card....so...I plan on paying off my debt to
