At Heritage Valley, we like to say effortless banking may take lifting one finger. Well, here’s the proof with 25 can’t-miss ways we make taking your financial future to the next level look effortless. Get to know your credit union and everything we offer to make banking easier.
Tip 1: Shopping for the best rates? It’s easy! Click on our website and shop rates 24/7.
We make it easy for you to shop current rates for auto or home equity loans and much more. The Rates Page on our website is always kept up to date so check rates, apply online and you can get pre-approved! Pay less while we make lending effortless.
Tip 2: A better rate is just the beginning. Ending up with the right loan is just a click away.
Now you can easily apply for a personal loan, auto or home equity loan or even a credit card online in our secure loan portal. The Apply for a Loan is in the header of the site. Our online loan applications are fast in just three easy steps, secure and user friendly. Get the best rates and loan approvals in as little as a day from accessible loan officers who keep you in the loop, not the dark.
Tip 3: We must know a thing or two about banking. We’ve been around since 1935.
They say that the longer you do something, the better you get at it. Well, we couldn’t agree more! We started as the Yorkco York Employees Federal Credit Union from a desktop in the Borg-Warner Plant here in York, and since 1935 we’ve grown by continuing to help members one to one across the desk. Get to know us, and experience for yourself the commitment that has helped our members grow their heritage for almost 90 years.
Tip 4: Always remember that awareness is your best weapon against fraud.
Fraudsters can turn your life upside down and getting hacked can take weeks to rectify. Luckily, there are simple ways to stay safe from fraud, and more tools and resources than ever to lock down your identity. Get started on our website where you can subscribe to our weekly Security newsletter and access the Heritage Valley Feed, a blog that has up to date articles on all the latest ways to protect yourself. We also post fraud tips in our social media channels so make sure you follow us there!
Tip 5: Imposter Alert: we will never call you and ask you to provide personal information.
In 2023, imposter scams were the most common, with reported losses of $2.7B. Here are four red flags to watch for:
✔You’re contacted out of the blue
✔You’re pressured to act immediately
✔You’re asked to pay in a less common way, like gift cards or wire transfer
✔You’re asked to provide personal or account info.
No, we will not call you to ask for personal information. This is a common tactic used by scammers to gain access to your account and steal your identity. If you receive a call from someone claiming to be your bank or credit union and asking for personal information, you should stop communications and contact your financial institution to find out if there is a problem and to report the interaction. For tips like this and more, subscribe to our Security newsletter which arrives in your inbox weekly.
Tip 6: We make it easy to upgrade your wallet with our Heritage Valley Platinum Visa® card!
At Heritage Valley, you’ll actually like all we put on your card. You’ll get a low fixed rate starting at 10.90% APR*, no annual fee, no balance transfer fees, fraud alerts, digital wallets and you can earn rewards! According to LendingTree, the national average credit card rate is 24.61% APR* so what are you waiting for? Open online today and upgrade your wallet to First Class.
*APR=Annual Percentage Rate.
Tip 7: Remember to always let us know when you’re traveling.
In 2024, 7 in 10 US travelers planned to take a road trip. A declined credit or debit card transaction is the last thing you need when you’re on vacation. It’s easy to set up travel notifications within the Heritage Valley app or online banking, tap or click the airplane icon under Card management, then follow the prompts to complete the process and you’re off!
Tip 8: Sure, our auto loans are great. But we have motorcycle, RV and watercraft loans too!
Ready to hit the road or get off it in a car, truck, motorcycle, boat or RV? We make it easy for you to buy brand new or purchase a pre-owned model 10 years older or newer. First time car buyer? No problem! Let us help you get on the road or on the lake today! Click here for current rates and to apply online.
Tip 9: Did you know our user-friendly mobile banking has an App Store rating of 4.8 out of 5?
Effortless banking may take lifting one finger. Get the best-in-class mobile app that syncs seamlessly with online banking and is the same technology that billion-dollar credit unions have. Make member to member transfers, deposit checks, set up alerts, check account balances, transaction history and get free bill pay and more! Available for Apple or Android.
Tip 10: Sure, digital banking is cool. But sometimes a talk with a warm, friendly representative is what you need.
We want you to have the banking experience you say wow about! Call us and get a live person. Stop by your local branch or drive-thru just to get an account question answered or to get a jump start on a loan for your fall plans. We’re here for you either online or in person. And we encourage you to take the time to click through our website because there you will find so many digital tools that will make your life easier.
Tip 11: You’ve lost your debit card and now what do you do? Get an instant issue debit card!
At Heritage Valley, you don’t have to wait seven to 10 days for your debit card to arrive in the mail. We can issue you a new or replacement debit card on the spot with immediate access to your funds in the branch or if you’re away! Stop by your local branch or if away, we can issue you a new card you can add to your digital wallet immediately and just tap and pay!
Tip 12: Save time, postage and late fees with Online Bill Pay.
Stop hunting for stamps and envelopes and start using Online Bill Pay! Rather than having to go through each bill one by one, you can manage your bills online in one central place. You can set up payments for recurring bills—like utilities or credit cards or even pay another person with our free online bill pay service. This not only saves you money on envelopes and postage, but you also avoid late payments that could lead to fees and hurt your credit.
Tip 13: We make it easy to schedule a one-on-one meeting with staff in seconds!
Our website features an online appointment scheduler where you can set one-hour sessions at your nearest Heritage Valley branch. Opening a new account for your business? Need help with an existing account? Want to learn more about our loan rates and applications? Just go online and click Book an Appointment in the header of the site!
Tip 14: Yes! There is a checking account that has more free and less fee AND pays you back!
Believe it or not, there are still free checking accounts. Even better, on top of no monthly service fees or minimum balance requirements ever, our Rewards Checking account also has a cash back feature. Top that with free instant issue debit cards and ATM refunds up to $20 monthly, and you’ve opened checking that tops them all. Open online today!
Tip 15: Staying on top of account balances or transactions is just an alert away.
The more you stay on top of your money, the more money you’ll have to stay on top of. Setting up mobile phone text, email or in-app alerts or all three makes it easy to know where your account stands—so you can take action to access new deposits or guard against low balances, unusual activity and fraud. Just go to your mobile app or online banking where you can add multiple alerts to your accounts.
Tip 16: If you’re looking to get your business off the ground, get a down to earth partner.
You might not know that we offer three tiers of business checking accounts for sole proprietorships, LLC’s, partnerships, corporations as well as associations or clubs. Your business can also benefit from a business savings or money market account, merchant card services as well as business online and mobile banking. Go to our website and click on Book an Appointment to get started today. When you’re getting your business off the ground, we’re on it.
Tip 17: Customers have banks, but members have expectations.
If you’re a member of Heritage Valley, we believe there is no better investment than your heritage. We have always believed that your heritage isn’t passed down, it’s built up. And helping people build up their financial futures is what we strive to do every day. As a member, you can rest assured that we will always commit to not only offer you the lowest loan and the highest dividend rates but also some of the best banking technology around. If you have expectations, we have answers.
Tip 18: We help you say yes to what’s next. Let us prove you’ve made the right choice.
You’ve become a member. Now let us help you realize all the financial benefits we offer. From your first bank account to your second home loan, we’ve got all the tools you need to be successful. If you like banking online, our website has all the bells and whistles. If you still like face to face, we can’t wait to see you and talk about your future.
Tip 19: The earlier you start, the more you can save.
We all know that the key to long-term savings is starting early and being consistent. But starting with a plan is important, no matter your age and that’s where we can help. You can book an appointment online with one of our experienced branch managers by going online and selecting Book an Appointment in the header of our website. Pick your branch, your time and you’re one step ahead towards a lifetime of savings.
Tip 20: Sure, we offer lower loan rates. But we also offer optional Debt Protection coverage.
If your life takes an unexpected turn, your family’s finances can be strained. But with Debt Protection, your loan payments or balance may be canceled, up to the contract maximums, in case of involuntary unemployment, disability, or death. It’s just one more way you can look out for the people you love. Ask us about Debt Protection today!
Tip 21: So many easy ways to bank. And no, you don’t even have to leave your car.
Experience banking on your schedule! Open checking accounts, apply for loans and credit cards, receive fraud alerts, and even deposit checks—all online. And our drive-thru tellers are always here to assist. Plus, it’s easy to connect with customer service through our digital channels and stay updated by following us on social media. It’s just like visiting your favorite teller, minus the wait! We’re glad we make banking effortless, but feel free to stop by and say hello! If not, go to BankHV.org and get started with banking that’s easy to love!
Tip 22: An easy way to cut your high interest credit card balances is with our low 6-Month Balance Transfer rate.
At Heritage Valley, you’ll actually like what all we put on your card. With our Balance Transfer 6-month rate of 2.99% APR*, you can transfer high interest off your mind and consolidate debt. Apply online today for the Platinum Visa® card with no balance transfer fees and no annual fee. Learn more and apply today!
*APR=Annual Percentage Rate.
Tip 23: Does your credit score need help? We help you up your score with free in person credit check-ups.
If your credit needs a check-up, we’re here to help you check out how you can improve it. It’s easy to set up an appointment where we will take the time to go through your report with you and point out the easiest ways to raise your score.
Tip 24: When it’s tax time, Heritage Valley members can file smart and save big.
Get access to special savings on TurboTax and H&R Block to make this tax season easier.
Tip 25: It’s a wrap for our Effortless Banking Tips! 2025 here we come!
We hope you have learned a lot about your credit union and what we have to offer with our weekly Effortless Banking Tips. We can’t wait for you to see what all we have in store for you in 2025! Stay tuned to see all the many ways we make banking effortless.
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