The Credit Union Difference

The Credit Union Difference


Credit unions share the common goal of providing quality financial services based on a foundation of financial strength and integrity. We exist to help people, not make a profit. Our goal here at HV, is to serve all members well, including those of modest means because every member counts. 

HV is more than just a convenient place to bank. Our integrity means taking care of your needs before anything else. Our "people before profit" philosophy means we make decisions in the long-term best interest of your family and the community, not to turn a quick profit.

HVFCU Local or National Banks
Type of organization Not for profit, not for charity, but for service Generates profit for shareholders
Who can join Anyone who lives, works or worships in York County, PA Anyone
Who owns it Members Shareholders
Board of Directors Unpaid volunteers Paid shareholders
Fees Typically, we have fewer and lower fees than those of banks Fees generally account for one-third of banks' total profits
Profit Goes To Members Shareholders
Interactions With Like Financial Institutions Cooperative Competitive
Deposits Insured By NCUA (National Credit Union Administration) FDIC (Federal Deposit Insurance Corporation)


We understand you have lots of choices, so consider...

  • HV is a local not-for-profit credit union. Any profit we make is paid back to you (our member-owners) in better rates, lower fees and convenient services and hours.

  • When you bank at HV, you own part of the credit union. Have you ever been treated unfairly at a bank and wished that there was someone to listen that actually cared? As an owner, you get to decide how we run things. Go ahead - tell us what you think!

  • You have the right to vote for your volunteer Board of Directors and Supervisory Committee. In fact, just like representing your neighbors on the city council, you can run for a seat at the CU. Each HV member has equal ownership and one vote, regardless of the amount you have on deposit. Interested in volunteering? Learn more >

  • We were founded right here in York County, PA over 75 years ago by your family, friends and neighbors; and are still owned by your family, friends and neighbors.

  • All of our employees live and work in the local community. We understand your needs, because we share the same experiences, shop at the same stores and live in your neighborhoods.

  • Our philosophy of "people before profit" means that we are here for you, even during difficult economic times or if you've gotten off course in the past. It's okay to ask us for help and we want you to feel comfortable doing so.

  • At HV, we are in your corner with products, services and solutions to fit your unique situation. We understand that every person has different needs, and we work hard to provide personalized service that benefits you.

Can I Join/Open an Account?

Most likely, YES! If you live, work, worship or go to school in York County, Pennsylvania, you are eligible for membership at Heritage Valley Federal Credit Union. If you live outside of York County, but are related to a current member, you are also eligible. 

Belong to something local. Something different, special. Something you can call your own. Join HV.








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