Become A Member
The Credit Union Where You Make Bank
You already think for yourself, so why not bank for yourself? Just like our banking, we make becoming a member effortless. As the oldest founded credit union in York, we know what it means to live here, work here, and manage our money in ways that make sense here. From our highly rated digital banking tools to our helpful team members, we make building wealth a breeze.
It’s Not Banking,
It’s Belonging
When you join Heritage Valley Federal Credit Union, you’re not just getting financial services – but an entire community that comes with it. In 2025, with more competitive loan rates, higher interest on deposits, lower fees and enhanced technology, our members saved $2.3 million. Together, we’re invested in each other’s heritage, because when one wins, we all win. That’s how banking should be.
Customers Have Banks,
Members Have Advantages
Though we are a lot like a bank, there are several ways we’re not. One, there are no stockholders. That means everyone who has an account with us is a member and an owner. Two, all your deposits and funds stay local and contribute to the York economy, while being Federally Insured by NCUA. We invest in York through loans to members for autos, homes, education and other financial needs. And three, we’re non-profit, meaning we exist to make our members happy, not to make a profit.
From left to right are Eric Gunnett, Heritage Valley Supervisory Committee; Sabrina Jianniney, VP of Branch Operations; Karla Koicuba, Marketing & Business Development Coordinator; Mike Gutshall, President & CEO; and Kate Neff, Heritage Valley Board Chair.
Nothing Beats A
Heart For Community
People helping people is what we do. We sponsor local events, volunteer our time, and have our own employee donation program. As a member-owned progressive financial cooperative, we are committed to the basic credit union philosophy: not for profit, not for charity, but for service.
We are also always looking for members who want to put their experience and talents to work for a good cause. You can become more than an owner, but also can make a difference by serving on the Heritage Valley board of directors or supervisory committee.
Join Heritage Valley Today, Where Members Rule
At Heritage Valley, what we invest in pays big dividends because our profits are our members and our investments grow their lives. They then give a return to our community. We invest in technology and resources to make banking more convenient. And in people who are ready to serve you. Bank where you own your banking and the advantages keep adding on.
Once A Member, Always A Member
A member retains his or her membership on the basis of “once a member, always a member” status. Even if you change jobs or move, you may maintain your Heritage Valley membership and continue to enjoy our services and benefits. Because we’re here to support you wherever you are.
