Velgon Heritage

We put people before banking.

Experience banking built around you, not the other way around. No fine print. No hidden fees. Just honest financial services designed to help you thrive.

We put people before banking. Experience banking built around you, not the other way around. No fine print. No hidden fees. Just honest financial services designed to help you thrive.

Open Your Account → Access Banking →

50K+

Happy Customers

$2.5B+

Assets Managed

ROUTING #

251480576

BRANCH HOURS

Mon-Fri: 9AM-5PM

Sat: 9AM-1PM

24/7 SUPPORT

1-800-BANKING

Always here to help

Velgon Heritage Rates

Rates designed to grow your money

Everyday high-yield savings that actually work for you.

3.75%

APY*

HIGH-YIELD SAVINGS

Save smarter, earn more

FEATURED

3.65%

APY*

CERTIFICATE ACCOUNT

Lock in guaranteed returns

SAVINGS

4.00%

APR*

CASH REWARDS CARD

Earn on every purchase

REWARDS

15.49%

APR*

PERSONAL & HOME LOANS

Rates that respect your budget

FIXED RATES

*Annual Percentage Yield. Rates subject to change.

Banking, simplified

How Can We Help You Today?

Comprehensive banking solutions tailored to your needs

Checking & Savings

Your money, working harder.

Credit Cards

Rewards that match your life.

Home & Auto Loans

Straightforward financing.

Business Solutions

Built for where you're headed.

Retirement & Wealth

Planning for tomorrow, today.

Why choose us

Local decisions. Member-first thinking.

$200 when you switch.†

No minimums. No monthly fees. Just smarter banking from day one.

✓ No monthly service fees

✓ Early direct deposit‡

✓ 55,000+ fee-free ATMs

Open in minutes →

†Terms apply. ‡Up to 2 days early.

Not a bank. Better.

We answer to members, not shareholders.

That means better rates, fewer fees, and service that actually feels helpful.

Competitive rates, not corporate greed

Every dollar you deposit works harder here.

Ownership that pays off

As a member, you're an owner. Profits go back to you, not Wall Street.

Community first, always

We live where you live. Your success is our success.

Real people. Real stories.

"The team actually listens. When I needed a car loan, they found me a rate that fit my budget perfectly."

Marcus R.

Member since 2019

"Switching was easier than I expected. They handled everything and I got my $200 bonus within weeks."

Patricia K.

New member

"Finally, a financial institution that doesn't treat me like a number. Their mobile app is just the cherry on top."

David L.

Member, 12 years

Banking Hours

Mon-Fri: 9AM-5PM
Sat: 9AM-1PM
Sun: Closed

Phone Banking

Available 24/7
Call: 1-800-BANKING
International: +1-555-0123

Email Support

Response within 24hrs
contact@velgonheritage.com

Visit Us

123 Banking Street
Financial District
New York, NY 10001