Heritage Financial
Heritage Financial supports Zelle. FedNow and RTP participation has not been confirmed.
Middletown, NY · NCUA Charter #24985
Also known as financial development center, an extension of heritage financial credit union
https://www.heritagefcu.com25 Rykowski Ln, Middletown, NY, 10941-4019
Contact info sourced from NCUA's quarterly call report data. Directory data last synced July 18, 2026. See methodology.
- Source
- Zelle's partner directory
- Community confirmations
- 0
Zelle's own directory is known to be incomplete, so a missing badge doesn't necessarily mean a bank lacks support.
Submit Route Report
Add a real transfer outcome involving Heritage Financial.
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Report early direct deposit
Did a paycheck or benefit show up early at Heritage Financial?
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Sending from Heritage Financial
Rails observed when Heritage Financial was the sending bank.
No sending reports yet for Heritage Financial. Once community members report a transfer from this bank, this section will show which rail was used, how many reports were successful, delayed, or unsuccessful, and the average settlement time.
Receiving into Heritage Financial
Rails observed when Heritage Financial was the receiving bank.
No receiving reports yet for Heritage Financial. Once community members report a transfer into this bank, this section will show which rail was used, how many reports were successful, delayed, or unsuccessful, and the average settlement time.
Similar institutions
Other credit unions in NY.
- Fourleaf · Bethpage
- Esl · Rochester
- United Nations · Long Island City
- Broadview · Albany
- Hudson Valley · Poughkeepsie
Frequently asked questions
Does Heritage Financial support FedNow?
This hasn't been confirmed. Heritage Financial does not currently appear in Federal Reserve's FedNow participant list, and no community reports have confirmed this rail for this bank yet.
Does Heritage Financial support RTP?
This hasn't been confirmed. Heritage Financial does not currently appear in The Clearing House's RTP participant list, and no community reports have confirmed this rail for this bank yet.
Does Heritage Financial support Zelle?
Yes. Heritage Financial appears in Zelle's partner directory, confirmed July 9, 2026. Zelle's own directory is known to be incomplete — a missing badge doesn't confirm a bank lacks support, only that it isn't listed there.
Does Heritage Financial have early direct deposit (EDD) evidence?
No early direct deposit evidence has been reported for Heritage Financial yet.