What are the requirements to join Heritage Valley?

One of the following criteria must be met: You either live, work, worship, or go to school in York County, Pennsylvania or if out-of-the area, you must be related to a current member.

Where can I find the Schedule of Current Fees?

Account Access

Mobile Banking 

Which mobile devices are supported?

Currently Apple and Android devices are supported. We are working to bring mobile banking to all devices. Stay tuned to our website for updates. 

How do I access Mobile Banking?

If you have an Apple or Android device, you can download the HV Mobile app from Apple’s App Store, or Google Play. 

Is Mobile Banking secure?

Yes, our number one priority is the security of your information and we would not offer it to you as a banking solution if it was not secure. You can do your part by keeping your account numbers, PINs and passwords in a secure place and not giving them out to anyone. Mobile Banking employs industry best practices with regards to security. At a high level, Mobile Banking offers the following security safeguards:
  • Authentication - Mobile browser and downloadable application users are authenticated for every interaction with any Mobile Banking component. Users are authenticated by account number and password.
  • Encryption -128-bit encryption is used for all communications within Mobile Banking.

Is my personal or financial information stored on my phone?

No. Mobile Banking does not save any files with personal or financial information on your mobile device. That information stays strictly within online banking. Some phones (e.g., BlackBerry, Android) have logo and branding files that are copied to the mobile device. Those files do not contain any personally identifiable information.

What if my phone is lost or stolen?

If your mobile device is lost or stolen, no one can access your account without knowing your password and, in some cases, your account number. If your phone is lost or stolen, contact us at (717) 840-4981 to prevent unauthorized access to your account.

Is there a fee to use Mobile Banking?

No. Accessing your accounts through Mobile Banking is absolutely FREE!

If I’m having issues accessing my accounts, is there a list of steps I can take to see why I can’t login?

The following steps will narrow down any login problem:
1. Mobile Banking may be down. This can be confirmed by going to heritagevalleyfcu.org. We will post information on our web page if Mobile Banking is down.

2. Login to HV@home on your computer. If you are unable to login to HV@home, you may also not be able log into Mobile Banking. Contact us at (717) 840-4981 to verify the status of your account.

3. Using your mobile phone to enter data takes a little practice. Passwords are case sensitive; make sure you are entering your password exactly as it is set up. If your password begins with a lower-case letter, you may need to use your phone’s shift key to change the default from upper case. In addition, some phones require extra shift key presses to enter numbers instead of letters.

Online Banking

How do I access online banking?

You can login directly from our website, www.hertiagevalleyfcu.org. The HV@Home Login option is located on the upper right corner of our web site. If it is your first time accessing HV@home please select the "New User" option on the HV@Home login box. 

What does "Remember this computer" mean?

If you choose to remember your computer, you will not be prompted to answer one of the questions you set up during enrollment. You will still have to enter in your account number, pin and the Random Code. You can remember your computer after you have completed the initial enrollment and login. The system uses information about your hardware and software to recognize a remembered computer. If you delete your browser cookies on your PC, you will have to re-remember the computer. The secure cookie will periodically expire on your computer and will require you to remember your computer again.

What is a secure cookie?

A secure cookie is a small text file with hashed content that is placed on a computer to help identify the user. In this case, the cookie that is stored on your PC during login lets you bypass your personalized security questions whenever you access Online Banking in the future. The secure cookie will periodically expire on your computer and will require you to remember your computer again.

How do I change my password?

Upon signing into HV@Home Online Banking, select the "My Profile" option on the top center of the screen, then select change password and follow the onscreen instructions. 

What if I forget my Password or the answers to my questions?

Please feel free to contact us by phone and we can reset your session.

Can I change my questions?

Yes. Once you log into your account, select the "My Profile" option on the top center of the screen, then select change security questions and follow the onscreen instructions.

Telephone Banking

How do I access telephone banking?

Dial 717-840-4793 or (800)214-3634 Download a copy of the Telephone Banking guide here.

Loans & Credit Cards

Home Equity Loans

So, what exactly is “equity”?

Equity is the difference between the appraised value of your home and what you owe on your mortgage. Equity is the part of your home’s value that belongs to you, not your lender. You can borrow against this equity in your home and use the money for whatever purpose you choose — improve your home, buy a new car, pay for college tuition, consolidate other loans, or send yourself on a well-earned vacation!

Why not a personal loan, instead?

Our home equity is a loan in which your home serves as the collateral. With a home equity, you may be able to deduct the interest you pay from your taxable income. Remember to consult with your tax advisor concerning the deductibility of interest. These are perks you would not get with an ordinary personal loan.

How much can I borrow?

At Heritage Valley FCU you can get a home equity loan for as little as $5,000. Please contact us for the maximum amount of equity from which you can borrow against.

How is the rate determined?

The rate is fixed and fully disclosed at the time you take the loan.

Credit Cards

What is the interest rate?

Our Platinum VISA is designed to offer the lowest possible rate based on credit. Your interest rate will be the fixed rate we quote you at the time of your card approval. Our fixed rates range between 10.90-17.90%. Simply put…the higher your score, the lower the rate and best of all, as your score improves over time, you may have the opportunity to further reduce your rate as a reward for your good payment history.

Is there an annual fee?

No. Some financial institutions charge annual credit card fees as high as $30 or more, but not at Heritage Valley FCU. There is NO annual fee whatsoever. All you pay are any interest charges you accrue. That’s it!

Is there a grace period?

Yes. To help you cut your credit card cost even further, your HV VISA features a 25-day interest-free grace period on purchases from statement closing date.

Is the HV VISA accepted throughout the world?

Yes. The VISA credit card is highly recognized and accepted at most every retail or department store, airline, hotel and motel…throughout the United States and all over the world! And if you should ever have questions or problems, you’ll be dealing locally with your credit union—someone you know and trust.

Can I transfer balances from other cards?

Yes. Take full advantage of the low interest rate on your HV VISA. Transfer the balances from your other higher interest rate credit cards (including bank, gas, department store, etc.) and save on finance charges. It’s simple and there are no cash advance fees whatsoever. Contact our Loan Department for details.

How can I make payments?

You can make payments over-the-counter at any Heritage Valley FCU location, by mail, through payroll deduction or periodic transfers, through automatic payments from the financial institution of your choice, through mobile banking or on Heritage Valley’s VISA site at www.eZCardInfo.com . Making payments couldn’t be simpler or more convenient.

Can I access my VISA account information online?

Yes. You can view your VISA account information online at www.eZCardInfo.com. Here you can view statement history, view current balance and payment information, view current and historical transaction activity, make a payment and view payment history, find contact information, and download account transactions into multiple formats.

Can I get cash advances?

Yes. In addition to charging purchases, your VISA credit card permits you to get ready cash—just about anywhere you need it. Unlike other institutions, there is no fee for cash advances (finance charges do apply). There’s no special arrangement to repay. Cash advances show up on your monthly statement along with your purchases. You may also contact Heritage Valley FCU to request your own Personal Identification Number (PIN), which will allow you to make cash withdrawals at ATMs worldwide which display the VISA network symbol.

Can I use my HV VISA for overdraft protection?

No. VISA accounts cannot be used for overdraft protection. Our standard share account overdraft sequence and Overdraft Privilege products are currently in effect. Please refer to your membership materials or contact the credit union for more information.

Are there other card benefits?

Yes. The HV Platinum VISA card features service benefits at no extra cost, including: Auto Rental Insurance, $500,000 Travel Accident Life Insurance Coverage, Warranty Manager Service, and Travel and Emergency Assistance. Policy provisions apply. Verified By VISA is also available, providing additional security when shopping online. We also offer VISA offers a FREE benefit that allows you to receive discounts from national retailers, saving you money on major purchases and even travel.  Check out VISA Offers here.

Checking & Savings

Is Heritage Valley’s Checking account free?

Yes! As long as you keep a combined balance of $200* in your checking or savings account, to avoid a small monthly maintenance fee. *Minor and HSA accounts do not apply.

Current Schedule of Fees

What is Heritage Valley’s ABA or Routing #:


How do I order checks?

Begin by logging into HV@Home online banking. Choose 'Services’ and then choose ‘Reorder Checks’ and complete the check order request. If you have questions or prefer to place your order over the phone, please contact us.

How do I setup Direct Deposit?

To start Direct Deposit, simply provide your employer with your complete 13 digit account number and the Heritage Valley routing number - 231387385. You can also have Direct Deposit into your savings account by providing your complete member number and routing number instead of your checking account number. You can also locate the routing number at the bottom your account checks or by contacting us.

Debit Cards

How can I activate my new Debit Card?

To activate your new VISA debit card you can:
  • Call our 24/7 Card Services Automated System at (717)840-4981, option #6, then press 2 and follow the prompts.

  •  Complete a 'Balance Inquiry' or any other transaction using any ATM

Can I change the PIN on my Debit Card?

Yes! It's simple and easy to change your PIN for any reason 24/7 using our Card Services Automated System. Just call (717)840-4981, option #6, then press 2 and follow the prompts to change your PIN.

Is there a fee to use my HV debit card for purchases?

No. There are no fees associated with using the debit card for purchases.

Is there a fee to use my card in an ATM machine?

There are no fees to use your card at one of Heritage Valley’s branch ATMs. An ATM fee will be assessed by Heritage Valley if you do more than 5 transactions at any non-Heritage Valley ATM in a monthly period.

What if I lose my card?

Contact Heritage Valley immediately. We can close the card and issue a replacement card. You can receive a replacement card on the spot at any of our locations. There is a small replacement fee.

Is there a limit on how much money per day I can withdrawal from the ATM machine?

Yes, there is a limit of $500 per day.

Is there a purchasing limit per day for using Heritage Valley’s debit card?

Yes, there is a limit of $2000 per day for purchasing items with your debit card. In some cases this limit can be temporarily raised if a large purchase is being made. Please contact member services and they will be more than happy to work with you.