The Heritage Financial CU All Credit Levels is a cdfi lender from Heritage Financial CU. The ongoing APR is 4.49% - 4.49%. Rewards: A checking account that earns cash back!. This product reports activity to your personal credit report. Heritage Financial Credit Union is a member-focused financial institution located in Middletown, NY, offering a range of banking and lending services. They serve individuals and businesses in the local community, providing accessible financial products tailored to meet diverse needs. Services include: auto loans, home equities, mortgages, personal loans, business loans. US Treasury certified CDFI Credit Union in Middletown, NY. Membership required.