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Did you know?
A HOME EQUITY LINE OF CREDIT
can help you with:
Rainy Days Renovations Travel School
Go to: hhfcu.org/heloc19 for our low rates
Let’s Get You There!
Spring into Action
Our Guide to Getting You Outside
HHFCU Annual Meeting DIY Upgrades Meet Our Financial Partner
p.3 p.6 p. 7 Spring 2019
www.hhfcu.org • 845.561.5607 • Federally Insured By NCUA • Equal Housing Lender
BOARD OF DIRECTORS
Chairperson Vice-Chairperson
Paul Zalanowski Thomas Houston
Secretary Treasurer
Kenneth Affeldt William Wiseman Jr.
Directors
Gerard Amoroso
Sandra Gerow
Nicholas Giglio
Michael Mahar President’s Message
SUPERVISORY COMMITTEE
Chairperson Recording Secretary
Carolyn Evans Sonia Rodriguez
Members
John Boyle Robert Sassi
John Naumchik
As we move into spring of 2019, we have even more great news to share with you. Over
BRANCH HOURS the past several months we have added services, simplified solutions, and enhanced
MON-WED 8:30AM - 5:00PM experiences so you can feel confident that we are the best financial institution for you.
THURS-FRI 8:30AM - 6:00PM We would like nothing more than for you to consider us your primary financial institution.
SAT 9:00AM - 2:00PM
We are excited to share these enhancements, which are available for you this spring
BRANCH LOCATIONS season:
CENTRAL VALLEY
273 Rt. 32 (24hr ATM) Debit & Credit Card Rewards: Several of our members were asking for a rewards
program for their banking. We are extremely happy to be able to deliver on this
GOSHEN
117 Grand Street (24hr ATM) request. We are launching our rewards program within the next few months, which
you will be able to easily enroll in at no cost. After enrollment, you can start earning
MATAMORAS, PA points on every purchase and then redeem your points for gift cards at popular
111 Hulst Drive (24hr ATM)
national brand stores. Plus, we will offer double points at local merchants within our
MIDDLETOWN network to help support local businesses. This is an exciting program that is simple
25 Rykowski Lane (24hr ATMs) to use and rewards you for your loyalty with us. We would encourage you to visit our
161-5 Dolson Avenue (24hr Drive-Up ATM)
357 E. Main Street (24hr ATM)
website for updates.
MONTGOMERY
Digital Payments: Later this spring, Apple Pay, Samsung Pay and Google Pay will be
17 Walnut Street (24hr Drive-Up ATM) available for our debit and credit card users. There are no fees to take advantage of
this service and you can use your smart phone to make secure purchases in stores,
NEWBURGH
2 Corwin Court (24hr Drive-Up ATM)
in apps, and on the web without opening your wallet. We are excited to offer this
211 S Plank Road (24hr Drive-Up ATM) convenient technology enhancement to you.
PINE BUSH Heritage Investment & Retirement Services: We understand that all of our banking
36 Boniface Drive (24hr ATM) products and services may not meet your long-term savings and retirement goals,
so we partnered with CUNA Mutual to offer Heritage Investment & Retirement
WASHINGTONVILLE
131 East Main Street (24hr ATM) Services, which offers a full suite of investment and retirement solutions for all of our
members. We brought in a full-time financial advisor that is able to meet with you in
NEW PALTZ your local Hudson Heritage branch and provide you trusted advice that could help
234 Main Street, Suite 6B (24hr ATM)
SUNY New Paltz Campus–Lower Level of Haggerty build your financial security. We encourage you to meet with Brenda Botens, our
MON-FRI 10AM-3PM financial advisor, for a no-cost, no-obligation financial review.
Closed Saturday & Sunday
ATM Located in Student Union
Bldg, during open building hrs This is an exciting time for you to be a member with us and we have even more
announcements we look forward to sharing with you in the coming months. Many of
these developments are in response to member feedback, so we encourage you to
Need directions to reach out with your own suggestions when you’re in one of the branches or on the
a branch? phone with one of our Member Solutions representatives.
Scan this with your
phone’s camera. We wish you a happy and fun-filled spring season.
Want to talk to a Specialist?
Call our Member Solution Center at 845.561.5607 Michael J. Ciriello
HOURS: President/CEO, Hudson Heritage Federal Credit Union
MON-WED 8:30AM - 5:00PM
THURS-FRI 8:30AM - 6:00PM
SAT 9:00AM - 2:00PM
2
The Mobile Minute Tips and Tricks to ease your
online banking experience
Remote Check Deposit
To deposit a check on your mobile device:
1. In the navigation menu, tap Transactions > Deposit Check.
2. On the Deposit Check page, select the account, and enter the
Amount. Follow the instructions on the screen.
3. On the Image Capture page, use your device to take a picture
of the front and back of the check, then tap Submit Deposit.
Guides on the screen help you align the check for the image.
4. Tap Close. The check appears in the Deposited Checks tab in
the Activity Center.
Tip: If the image of the check is blurry, you can tap
Retake Front or Retake Back to take a new picture.
HHFCU Announcements Behappenings
in the know of all the
at Hudson Heritage
79th Annual Meeting
Please join us on May 22nd for the 79th annual members
meeting of Hudson Heritage FCU. Light refreshments will be
served. Non-members must be a guest of a member in good
standing to attend.
Where: Homewood Suites by Hilton (Stewart Airport)
180 Breuing Road, New Windsor, NY 12553
When: Wednesday, May 22nd, 2019 @ 6:00PM
Homewood Suites, New Windsor, NY
Rewards COMING SOON!
In a few months, you’ll be able to link your HHFCU VISA© debit or credit card(s) to My Heritage Rewards to start accumulating points
that can be turned into rewards–for you! Rewards are in the form of e-gift cards or you can reward others by donating your points
to a charitable cause. More information will be available soon. Please check out hhfcu.org/rewards regularly for updates.
Saturdays • 9am-1pm
Shred Days! ACCEPTABLE ITEMS:
• Paper (white or colored) • File folders • Checkbooks
• Staples & paper clips • Small plastics including ID cards & credit cards
Goshen April 13th Corwin Ct, Newburgh July 20th
Washingtonville May 11th Main St, New Paltz July 27th
Pine Bush June 1st Rykowski, Middletown Aug 17th
Dolson Ave, Middletown June 15th Montgomery Sept 21st
Matamoras July 6th Heritage Plaza, Newburgh Oct 19th
Here’s a list of the Shred Days HHFCU is hosting this year! Please limit how much you bring to three (3) standard paper storage boxes.
www.hhfcu.org • 845.561.5607 • Federally Insured By NCUA • Equal Housing Lender 3
Affordable Ways to Book the Best Vacay Don’t spend tons when
you can save lots!
Going on a beautiful vacation doesn’t have to cost a fortune. There
are neat ways to save hundreds or even thousands on vacation
expenses. One idea is to travel off-season. The benefit is that it
costs less for airfares, destinations, and some hotels during times
when tourism isn’t so heavy. Another thing you can do is check out
cities near your hometown. Some of those cities might cost less
than the popular tourist cities, and they are just as fun. Here are
additional ways to enjoy your vacation affordably.
Check Out the Airbnb Rentals
Airbnb is another great option when saving money on your
vacation. One thing you can do is negotiate the rates with the host.
If you offer to stay longer than the usual time at the rental, you can
mention this to the host when negotiating for a more affordable
rate. If you’ve stayed at other Airbnb rentals and were a good
guest, the host can look at your reviews from previous hosts. This
might also help lower your rates per night.
Make Travel and Entertainment Apps Work for You
Another way to shave costs off your vacation is to use travel and
entertainment apps. Apps like Yelp and Gas Buddy can assist you
in finding the cheapest gas and locating the most affordable and
good restaurants in the city you’ll visit. There are also apps that help
you compare airfare and hotel prices.
Consider Special Discounts at Attractions
If you’re bringing kids or grandkids with you, there is a chance that
you’ll visit some fun attractions. If you’re visiting a major city such
as Orlando or Houston, purchase a CityPASS. This pass helps you
save money because when you go to attractions in those areas,
you present the pass and you’ll be able to save up to 50% on
various attractions. Another option would be to visit the attractions’
websites for discount days.
Get Out! in the Hudson Valley
Photo courtesy of Bethel Woods Center for the Arts. Storm King Art Center. Photo courtesy of Shawangunk Wine Trail.
Bethel Woods Center for the Arts Storm King Art Center Shawangunk Wine Trail
Visit the latest exhibition debuted at the The 500-acre outdoor sculpture park in the Wake up those taste buds! Get ready for
Museum at Bethel Woods this spring, titled town of Cornwall, NY will open the first week the Hudson Valley’s yummy wine and
“We Are Golden: Reflections on the 50th in April. Take a guided tour of the park or food-tasting event, “Wines & Bites!” May
Anniversary of the Woodstock Festival and rent bikes to experience all the large-scale art 18-19, 2019 on the Shawangunk Wine Trail.
Aspirations for a Peaceful Future”, inspired and beautiful landscape this Hudson Valley Also, known as “The Gunks”, this 80-mile
by the legacy of the 1969 Woodstock Music attraction has to offer! trail features 15 wineries, distilleries, and
and Art Fair. Learn more at StormKing.org. attractions to explore and imbibe this season.
Learn more at BethelWoodsCenter.org. Visit GunksWine.com for more details.
4 www.hhfcu.org • 845.561.5607 • Federally Insured By NCUA • Equal Housing Lender
5 Easy Ways To Start Creating a Budget
Creating a budget can be daunting to some, especially if finances are tight. And while it might seem initially scary to set limits on yourself and
impose new rules, it does not have to be. If set up correctly, budgets can be freeing, believe it or not. They give you a better perspective on
your spending habits, what to improve, and which areas of life you can allocate more money. And once you get into the habit of sticking to a
budget, it gets easier and easier. Here are some ways to start:
Add Up Your Fixed Costs
The first step to creating a budget is by identifying your fixed costs. These are consistent payments that
must be paid monthly and therefore are the most important. This might include rent, mortgage, bills such as
phones, TVs and if you have a car, costs associated with that such as insurance.
This will give you the first figure of your budget and show you how much of your money goes to fixed
amounts and where you can cut costs potentially.
Add Up Your Variable Costs
Variables are costs such as groceries, food, drinks, and any other payments that are not necessarily monthly
but do crop up. Variable costs are just that, they change. Sometimes you might spend lots of money on
eating out one month, and start cooking at home the next month.
Start with the highest amount of variable costs for these categories and add that to the fixed cost budget
you identified. This gives you the worst case scenario for the month. Think about when your variable costs
are its lowest and add that to the fixed cost - that gives you the best case scenario.
Think About Your Savings
The first two points give you a clear picture of what you are currently working with budget-wise and
how much is actually left over by the end of it. The key is to always set aside some money for savings in
case of emergencies or other issues. Understanding your fixed and variable costs helps you get an idea
of what percentage of your money can be kept in a savings account for emergencies.
Add Up Your Debt
For many, the scariest part of budgeting is coming to terms with any debt you might have. Whether it is credit
cards or other types of loans, debt is completely manageable. Once you add up your monthly payments
along with your other expenses, you can better analyze where you can afford to cut corners.
Taking stock of your debt empowers you to manage it better and budgets can help you accomplish that.
Use Online Banking
Online banking is incredibly helpful for a number of different reasons. It gives you an organized way
to see all your transactions to identify where money is spent and you can quickly and easily move
money from your checking to savings account.
Take some time to explore online banking options, since many of them come with useful features for
budgeting such as spend analyzers, rounding up change on purchases, and other great tools to help
you stay on track with your budget.
www.hhfcu.org • 845.561.5607 • Federally Insured By NCUA • Equal Housing Lender 5
Creating Fantastic
Curb Appeal
Curb appeal is one of the most important attributes of your home. If
you’re planning to sell in the near future, you want to give potential
buyers a great opinion of your home from the moment they pull up
at the curb. If you aren’t, you still want to raise that important curb
appeal and make your visitors feel welcome as they fall in love with
your home. These strategies will make raising your curb appeal
easy. It’s the perfect way to get outside, enjoy the spring, and see
exactly how lovely your home can be.
Tidy Up the Front Door Add a Pop of Color Check Your Green
Take a look at your front door. Has it Spring is an amazing time of year to add curb Take a look at your grass. If it’s brown
become weather-beaten and old? appeal to your home because it’s simpler than and sparse even in the spring, it’s time
Repaint your front door. Get creative ever. Visit a local nursery and choose flowers to update it! Contact a lawn company
and paint it a bright color that adds a that will add a pop of color. Perennials will be or go the DIY route and spread some
hint of personality. Simply painting the there for years to come! Tidy your flowerbeds grass seed. You’ll be amazed by the
door is a cost-effective upgrade that or put in pretty beds around walkways or near difference when your lawn is lush and
will have your home looking great-- the house. If you don’t have space for beds, green through the spring and summer
and you falling in love with it all over consider putting pots on your porch or near months.
again. your front door.
Making the Upgrade to
Smart Home Technology
Smart home technology is everywhere--and it offers a number
of key advantages to many people. As you make decisions about
what you want for your home, have you considered the benefits
of smart home technology? Consider these key suggestions that
could improve your life and make your home more comfortable
than ever.
Smart Alarms Video Doorbells
You know the importance of keeping a smoke alarm and carbon Video doorbells connect directly to your phone, allowing you to see
monoxide detector in your home. Smart alarms, however, take those exactly who’s at the door. If you aren’t home, you can let delivery
familiar pieces of technology to the next level. With your smart alarm, people know where to leave packages; if you are, you can let your
you’ll get a notice on your phone when your alarm goes off--the visitor know it will be just another minute before you can come to the
perfect way to keep track of what’s going on at home even when door. With your video doorbell, you’ll always know who has come
you aren’t there. to visit.
Smart Thermostats Smart Locks
When you aren’t home, you don’t want to waste energy heating Tired of forgetting your keys and ending up locked out of the house?
and cooling your home. With a smart thermostat, you can set your Smart locks take the hassle out of traditional key entry. With many
thermostat to change at specific times of the day so that you can locks, you can set specific pass codes for different individuals, set
always enjoy the ideal temperature. Some models even allow you to temporary permissions, and track who has come and gone within
change the temperature from your phone when you’re away! your home: the ideal solution for many individuals.
Making these improvements on your home can really put a strain on your budget. Make your money work for you by
taking out a home equity line of credit. Reinvest in the things that matter most. Visit hhfcu.org/heloc19 for more details.
6 www.hhfcu.org • 845.561.5607 • Federally Insured By NCUA • Equal Housing Lender
Avoid these Common Credit and Debit Card Scams
The methods used to scam the general public out of their money about switching to a card with chip embedded technology which
are becoming more elaborate than ever. Advanced technology will make it hard for scammers to skim your data at all.
makes these methods look legitimate and familiar to the
unsuspecting eye. As a result, credit card and debit fraud continues Pay With Your Phone. It’s obvious that we are all addicted to
to be on the rise. The use of technology in our daily lives won’t be our phones. They contain our family photos, reminders for work
going anywhere anytime soon, so it’s important to know what steps meetings, GPS, and everything in between! Why not add your own
to take to keep your money safe. Read these five essential steps of personal wallet? Using your smart phone, you can make secure
how to recognize credit and debit card fraud and the essential steps purchases in stores, in apps, and on the web without opening your
to avoid becoming a victim! wallet. Mobile payment is simpler and safer than using your physical
card. Services like Apple Pay, or Android Pay to complete in store
Phishing. This is one of the most common ways for hackers to collect transactions. Stores use token technology, which means every time
sensitive information from unsuspecting victims. They send requests a transaction is completed, the payment information is changed and
for personal information, such as passwords or credit card numbers, no sensitive information is actually stored and collected.
under the guise of reputable companies. The email or phone calls
can look professional and legitimate, leaving the average person Stay Away from Public WiFi Networks. This is not to say that you can’t
unaware of criminal intentions. It is important to remember that a browse the internet at your favorite coffee shop or at the airport, but
reputable company will never solicit private information like this save your shopping and banking for at home. Public WiFi makes it
through the form of a phone call, email, or text. Suspicious links, easy for hackers to access an unprotected connection and retrieve
e-mail contacts you don’t recognize, typos, and poor grammar are your information quicker, right underneath your nose. Always use a
all common signs of phishing and should make a user wary about private VPN to encrypt personal data and check to make sure that
sharing personal information. websites you provide with sensitive data are secured.
Skimming. Skimming is when a thief duplicates your credit Stay vigilant. With the convenience of retrieving our documents
card number or copies your personal PIN to make future illegal electronically, it’s easier for us to have an “out of sight, out of mind,”
transactions that don’t require a physical card. It happens most attitude. But this is exactly what hackers count on! A common strategy
commonly at payment machine terminals such as ATMs, metro hackers use is to take out several very small amounts of money to
stations, and gas stations. Skimming goes as far as to make fake see if their actions or flagged or noticed. When no action is taken,
machines that fit perfectly over the original or they have tiny cameras it’s a green light to make more bolder transactions, which means
ready to record your PIN input. As technology advances, they are an increased headache for you. Ask your bank to set an alert for
hard to spot. Avoid being complacent by taking the extra moment to transactions made over $100 or when a transaction is made without a
walk inside the store to pay for your gas. Also, inquire to your bank physical card present. Thieves thrive off complacency, so review your
statements on a regular basis and inquire about suspicious charges.
COMING SOON! Protect your money. Putting your HHFCU cards in a digital wallet just make sense. It gives you added
security when you make every day purchases and lessen the chance of fraud. Visit hhfcu.org/mywallet for more details.
Brenda Botens – Our New Financial Advisor
Sometimes it’s hard to decide who to invest your money with. At Heritage Investment &
Retirement Services, we want to offer you the right financial products and services. Let us
introduce our new CUNA Mutual investment partner! Brenda Botens is a financial advisor
that can help you plan for various life events that involve your finances.
Personalization - Our financial advisor will meet with you to build a customized financial
plan that is tailor-made to suit your needs
Dependability & Transparency - We will always look out for your best interests and
make sure you’re comfortable with your financial plan every step of the way.
Goal Focused - Our financial advisor will review your personal financial goals and offer
strategies to meet your needs.
Availability - Based in the Hudson Valley, our services are easily accessible. In addition,
you will also have access to an over-the-phone client investment center.
From college savings to retirement, Brenda Botens has
experience in building a detailed, custom financial plan that is
based on your needs in life. Contact us today for a no-obligation,
no cost consultation!
Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor CBSI is under contract with the financial
institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution.
www.hhfcu.org • 845.561.5607 • Federally Insured By NCUA • Equal Housing Lender 7
Our Peace of Mind
RATE ASSURANCE
Our Peace of Mind Mortgage Rate
Assurance program removes the risk
of your mortgage loan’s interest rate
increasing while you shop for your new
home.
This allows you to shop for your home
for 60 days and have 30 days to close your loan, for a total
of 90 days of rate increase protection, all at no cost to you.
Easy peasey.
Your dream home is waiting.
Lock in your rate now. This publication does not constitute legal, accounting or other professional advice. Although it
is intended to be accurate, neither the publisher nor any other party assumes liability for loss or
The rate is locked for 90 days from the “application” date. Extensions must be granted prior
to the original lock expiration date to avoid additional fees. All other changes or cancellation damage due to reliance on this material. Websites not belonging to this organization are provided
may incur additional fees. Withdrawing the loan may cause the member to lose the lock fee for information only. No endorsement is implied. Images may be from ©iStock. ©2019 Hudson
and the locked rate. Heritage Federal Credit Union
Need an ATM?
You have access to over 30,000
Scan this with your phone’s camera to surcharge-free ATMs across the US!
stay afloat on all current promotions. Visit sum-atm.com -or- TEXT a Zip Code to 91989
to find nearby ATM & shared branch locations.
Our Guide to Getting You Outside
Spring into Action
Let’s Get You There!
Spring 2019
www.hhfcu.org • 845.561.5607 • Federally Insured By NCUA • Equal Housing Lender
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