Hudson Heritage Federal Credit Union

13 Branch locations
2.5 /10 2 Ratings
13 Branch locations
Main Phone:
Main Office:
25 Rykowski Ln
Middletown, NY 10941-4019
About Hudson Heritage Federal Credit Union

Hudson Heritage Federal Credit Union was chartered on June 22, 1940. Headquartered in Middletown, NY, it has assets in the amount of $309,760,764. Its 32,500 members are served from 13 locations. Deposits in Hudson Heritage Federal Credit Union are insured by NCUA.

Membership Eligibility

Persons who live, work, worship, volunteer, or attend school in, and businesses and other legal entities located in Orange, Dutchess, or Ulster Counties, New York and their families.

Chartered On:
June 22, 1940
Charter Number:
Total Assets:
Deposit Insurance:
Number of Members:
Michael Ciriello
Member of FHLB:
Low Income Designation:
Institution Class:
Federal Credit Union - Community credit unions
Access to Electronic Services
  • Home Banking via Internet Website
  • Mobile Banking
  • Automatic Teller Machine (ATM)
  • Audio Response/Phone Based
  • Kiosk
Credit Union Programs
  • Approved Mortgage Seller
  • Brokered Certificates of Deposit
  • Deposits and Shares Meeting
  • Mortgage Processing
Electronic Services
  • Loan Payments
  • View Account History
  • Download Account History
  • Share Draft Orders
  • Bill Payment
  • Account Balance Inquiry
  • External Account Transfers
  • Share Account Transfers
  • e-Statements
  • New Loan
  • Account Aggregation
  • Mobile Payments
Services & Products - Credit
  • Risk Based Loans
  • Overdraft Lines of Credit
  • Real Estate Loans
  • Credit Builder
  • Participation Loans
  • Indirect Consumer Loans
  • Overdraft Protection/ Courtesy Pay
  • Business Loans
  • Share Secured Credit Cards
Services & Products - Depository
  • Business Share Accounts
  • No Cost Share Drafts
Services & Products - Financial Education
  • First Time Homebuyer Program
  • Financial Education
  • Financial Counseling
Services & Products - Other
  • No Cost Bill Payer
  • Student Scholarship
  • Insurance/Investment Sales
Services & Products - Transactional
  • ATM/Debit Card Program
  • Money orders
  • Check Cashing

Reviews & Feedback

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How was your experience at this Credit Union? Let others know what you think. Leave your Review, Suggestion, Complaint or Tip below:
Rate This Credit Union:
2.5 /10 2 Ratings
1 /10
Reviewer: Ari
Date: Aug. 23, 2016

Tried to shut down my account after graduating from local SUNY in 2014 and was told I can't actually shut down the account. It would have been ~$25 to wire out the rest of my balance, so I choose to just use my debit card for purchases until the account was close to 0. At that point, I stopped using the account. Now, over two years later I discover there were 3 fraudulent charges made in January 2015 which brought the account below 0, and was subsequently charged fees for 6 months to the amount of $450 without being contacted. After discovering this, I called the bank and they said there is nothing they can do about it because the charges happened so long ago. I was never called, emailed or mailed a notice despite having my contact information for all three.

4 /10
Date: April 22, 2016

Highly dissatisfied with this credit union. Even as a credit union member in good standing with a current auto loan, it has been impossible to reach the President/CEO, Michael Ciriello. Repeated calls to the President/CEO have not been returned. Calls to speak to him are directed to his vacationing secretary's voicemail without any mention that his secretary is on vacation. The President claims in his Spring 2016 President's Message that Hudson Heritage is focused on "personal" banking and understanding the importance of their members. My experience with this credit union has been completely impersonal. Mr. Ciriello says in his message that people are "just numbers" at commercial banks. My message to all of you reading this review is members at this credit union are "just numbers" too. After never missing an auto loan payment with this credit union, they now claim that my debt-to-income ratio "NUMBERS" makes me ineligible to borrow a small amount of money to help pay for my daughter's Sweet 16 Celebration. Based on the "NUMBERS," the credit union's underwriter's somehow think I can not afford to pay them back an additional $80 per month, so they denied my personal loan request. So much for catering their business to fit my needs, as the President/CEO claims in his message...Looks and sounds like it's the other way around...

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