Thursday, January 1st 2015

I know I need to save but where should my money go?

cash with text 'where should my money go'

Would you be surprised to know that one of the top resolutions of 2014 was to spend less money and save more? Many people want to put aside a little extra cash for a rainy day but with the plethora of choices for types of accounts, it can be confusing to...

Thursday, February 5th 2015

Long Term Saving - All about Individual Retirement Accounts

pile of cash with label on balls - roth ira 401k

If putting money away for retirement is part of your plan for 2015, you may want to read on. Our love of fiscal responsibility has driven Wallkill Valley Federal Savings & Loan, to help our community work toward achieving their financial goals. We started our discussion a few weeks back...

Thursday, February 12th 2015

A convenient way to save - All about Money Market Accounts

At Wallkill Valley Federal Savings & Loan we are all about fiscal responsibility and are excited to help our community work toward achieving their financial goals. We started our discussion a few weeks back by defining the various types of deposit accounts. If you missed all the fun, you can...

Monday, January 12th 2015

Safe Saving - All about Certificate of Deposits

pile of cash

Saving for a rainy day sounds like a great idea. You may have even resolved to do just that as part of your plan for 2015! Keeping with our theme of fiscal responsibility, Wallkill Valley Federal Savings & Loan, wants to help our community reach their financial goals. We started...

Friday, March 20th 2015

Bank Easier with our enhanced online banking system.

The goal of Wallkill Valley Federal Savings & Loan is community first. That means that we take a look at the services and products we offer our customers and do what we can to make banking easier for our customers. According to the Pew Research Center, 51% of adults in the...

Thursday, April 16th 2015

The 5 Ws of Mortgage Pre-Qualification Letters

house with text caption - 5 W s of Mortgage Prequalificatiion Letter

Who? Our first W is Who. Who needs a mortgage pre-qualification letter? The simple answer is that anyone who is in the market to purchase a home. If that is you, read on, we are about to provide all the information you need to get this valuable document working for you. What?...

Thursday, April 23rd 2015

How much house can I afford?

house with caption - how much house can I afford?

Type “How much house can I afford” into Google and you will get 51,900,000 results, most of which link you directly to a mortgage calculator. While Google is an awesome tool and mortgage calculators are great, there is just no substitute for actually speaking to a real life person. A...

Thursday, May 7th 2015

Pick us to be part of your dream! Let WVFSL help you invest in your business.

bank staff at conference table

Owning a small business can be a challenge. Especially in an economic climate that is less than ideal.  You may have a vision for the future of your company but are unable to raise the funds you need to see it through. We believe that local businesses deserve access to...

Wednesday, May 13th 2015

We're different from other lenders. The loan experience at WVFSL

bank staff at conference table

You’ve probably heard it before, a bank telling you they are different from other lenders as a way of asking for your business.  At Wallkill Valley Federal Savings & Loan we don’t just talk about being different, we are different.  So today we thought we would walk you through our...

Thursday, May 21st 2015

What is a construction loan and who is a good candidate for one?

house framing with caption - construction loans, no two properties are alike

Let’s start with a definition.  According to Wikipedia, a Construction Loan is any value added loan where the proceeds are used to finance construction of some kind.  Because it is designed for construction, the defining features of these loans include special monitoring and guidelines to ensure the project is completed...

Wednesday, August 22nd 2018

Banking... In An Instant

Life is busy!  You are always on the go trying to juggle work, play, and family obligations. Wallkill Valley Federal Savings & Loan understands that you are getting pulled in many different directions and we want to help.  We pride ourselves on doing all we can to create an ideal...

Monday, June 1st 2015

We want you...to be a part of the loan experience at WVFSL

bank employee and customer with caption - we want you to be a part of the loan experience as wvfsl

We’ve been talking about home loans on our blog this month.  We’ve taken you through our unique loan process and discussed the differences between construction loans and conventional mortgages. Today on the Wallkill Valley Federal Savings & Loan blog we wanted to discuss you, our customer. Could you be our loan...

Wednesday, August 5th 2015

Cyber Theft: What is it and how can I prevent it?

keyboard in chains and lock

There is no doubt that the internet has made many things more convenient. From online shopping, to watching television shows to online banking, many daily activities are made much easier with the use of the internet. But with this convenience also comes a risk: Cyber Theft. What exactly is Cyber Theft? Cyber...

Wednesday, June 17th 2015

Low Closing Costs is just another way we put customers first.

image of loan officer with couple

When you are in the market for a home, there are a million things to consider. You have to figure out how much home you can afford, find the neighborhood that suits your needs, search for the perfect home, and find the right bank to make it all happen. When...

Tuesday, June 23rd 2015

Welcome to Our New Internet Home!

screen shot of new bank website

The time has finally come, our new website is complete! We hope you like our fresh new look and that the site helps you to bank easier. Some of the new features include: Simple, Modern User Experience Weekly Blog - Watch for new blogs updated weekly on topics ranging from mortgages to...

Tuesday, June 30th 2015

Identity Theft: Can It Happen To Me?

You get your mail, just like every other day. Along with the junk mail and magazines is an envelope from your credit card company. When you see the balance, suddenly this normal routine isn’t so normal. You’ve been a victim of identity theft. What Exactly Is Identity Theft? Identity theft occurs when...

Thursday, July 2nd 2015

4th of July Happenings: Let's Celebrate Together!

fireworks display

The 4th of July is a day to Let Freedom Ring as we gather to celebrate the Independence of our great nation. As a member of your community, we wanted to keep you updated on all the exciting events going on near you. We hope to see you around town! Fireworks Newburgh:...

Wednesday, July 8th 2015

School's out for summer: 10 ideas on what to do with your kids!

wallkill rail trail view with caption - summer in the hudson valley

Now that summer is here, you’re probably wondering: What am I going to do with my kids? It’s a question every parent asks themselves this time of the year. We wanted to give you some ideas of different activities you can take advantage of right here in the Hudson Valley! 1....

Thursday, July 30th 2015

What to Consider when Buying a Home

Purchasing a home can be an exciting event in a person’s life. Whether it is purchasing your first home, moving into a larger space for a growing family, or downsizing when the kid’s move away, you will face many of the same considerations. Below are a few questions you should...

Monday, July 27th 2015

Internet Banking 101

internet banking screen shot with caption - internet banking 101 introducing mobile deposit

Life today is fast paced and it sometimes is difficult to get to the bank to take care of all your banking needs. We created online banking / mobile banking to help make your life and banking easier! We understand technology can be intimidating for some, so we wanted to...

Wednesday, August 12th 2015

Moving, making the transition easier for the kids!

two story house

Moving After all the excitement of finding the perfect home comes the chore of packing and unpacking.  Certainly at the bottom of everyone’s list of favorites, moving can be stressful for the whole family; especially when the move means your kids will be attending a new school.  We thought it would...

Wednesday, August 19th 2015

So you're a landlord, now what? Tips to help your investment pay off.

row of houses

You’ve just invested in a great rental property, you are now a landlord!  No one wants to be a bad landlord so we thought we would offer some tips to help you be the kind of landlord tenant’s love. Screen prospective clients Remember, you don’t necessarily have to agree to rent to...

Wednesday, August 26th 2015

The Dog Days of Summer: 5 things you can do to end your summer right!

Summer is winding down, the 1st day of school is looming, and the pressure is on to get your fun in before it’s over.  Here are 5 ideas for Hudson Valley fun! Local Water Parks are open for until September 7th The Hudson Valley is home to Zoom Flume Water Park in...

Friday, September 4th 2015

Savings accounts & kids. When is the best time to start saving?

mother and daughter with piggy bank caption - never too early to start saving

Teaching your kids to save for a rainy day is an important life lesson.  At Wallkill Valley Federal Savings & Loan, we are all about helping our entire community reach their financial goals, including the younger generation.   Start Young A piggy bank is a great way to introduce young kids to the...

Wednesday, September 9th 2015

Wallkill Valley Federal Savings & Loan Welcomes Commercial Loan Officer, Domenic Baiocco

headshot - domenic balocco

Wallkill Valley Federal Savings & Loan Welcomes Commercial Loan Officer, Domenic Baiocco   Domenic Baiocco joined Wallkill Valley Federal Savings & Loan last month as a Commercial Loan Officer.  President and CEO of Wallkill Valley Federal Savings & Loan, Michael Horodyski stated “Domenic comes to us with a wealth of knowledge...

Thursday, September 10th 2015

Saving for Retirement: It's never too early or too late!

retired couple sitting on beach

Retirement should be the phase of life where you kick back and relax. After many years of hard work, the last thing you should worry about is having enough money to enjoy your time. Saving for retirement is a process that should start early. Here are some tips to make...

Friday, September 18th 2015

Pay It Forward Delights Wallkill Valley Federal Savings & Loan Branch Communities

Pay It Forward Delights Wallkill Valley Federal Savings & Loan Branch Communities Imagine pumping gas at your local Stewarts when a stranger approaches, hands you an envelope filled with money and explains that the local bank wants to Pay it Forward.  How would you react?  Branch managers from all four of...

Tuesday, September 22nd 2015

Next Gen Banking: They May be on to Something; Banking Made Easier

young man on laptop in shop

As much as we love our reputation for being a community bank, we want everyone to know we’re keeping up with technology. Recently we have rolled out a bunch of new features to make banking simpler and easier for all our customers. Our younger customers want to bank on their...

Thursday, September 24th 2015

Ready to be smarter with money? Maybe we can help.

man counting cash

The recession that rocked our country over the last few years hit the middle class harder than any other economic group.  With worries about job security and the rising cost of benefits paired with the reality of the failing housing market and high unemployment rates, the middle class faced financial...

Tuesday, September 29th 2015

Wallkill Valley Federal Savings & Loan to hold CPR/AED Training.

CED CPR symbols

Wallkill Valley Federal Savings & Loan has always been committed to providing a warm, friendly and safe environment for their clients, employees and the community at large.  Providing CPR/AED Training is an import part of creating those conditions.  The statistics are staggering; according to The American Heart Association, less than...

Thursday, October 1st 2015

Savings Bonds: Unlocking the mysteries of that official looking piece of paper.

twenty dollar bills

As a kid, they were the Birthday present you weren’t really sure about. A really cool looking piece of paper that was sort of money but you couldn’t spend it…yet.  You may have even thought to yourself once or twice, What do I do with these? Savings bonds, at one time,...

Monday, October 5th 2015

Melissa Flickenschild of Wallkill Valley Federal Savings & Loan awarded Five Star Award

headshot melissa flickenschild five star award

Melissa Flickenschild, Senior Residential Loan Officer for Wallkill Valley Federal Savings & Loan, has been honored with the Five Star Award by Five Star Professional! The award is presented annually to mortgage and insurance professionals who score in the top 7% for client satisfaction.  The selected honorees are independently nominated...

Tuesday, October 20th 2015

Manage Cash Flow & Watch Your Business Grow

pile of cash

One of the most difficult challenges facing business owners today is managing their cash flow.  Making sure that you receive the money owed to you and paying your vendors in a timely manner can be a challenge.  At Wallkill Valley Federal Savings & Loan, we understand and hope the information...

Friday, October 23rd 2015

Supporting Local Charities Makes Our Communities Stronger: Maybrook Edition

flyer village of may brook 5k race

At WVFSL we call ourselves a community bank because we believe in the importance and power of Community.  It means we are friendly to our customers.  It means local loan approvals.  It means loaning money to local businesses that help our community grow.  And it also means supporting local charities....

Monday, October 26th 2015

Community First! Local Businesses We Love: Highland Falls Edition

promotion - american burrito & rockwell cycle

Community First.  At WVFS&L we believe being a community bank is helping businesses in our backyard. Local business is the cornerstone of our community, creating jobs, keeping money in the local economy, and providing services our community needs. We want to take the time to thank some of our favorite...

Thursday, November 5th 2015

Community First! Local Businesses We Love: Milton Edition

promotion - hudson valley sports dome & milton hardware

At Wallkill Valley Federal Savings and Loan we believe being a community bank means helping businesses that are located right in our backyard. It means putting Community First.  Local businesses are the cornerstone of our community. They create jobs and provide the services our community needs.  Today we thank two...

Thursday, November 12th 2015

Be Thankful & Give! Why you should consider giving during this season of Thanksgiving

community volunteers

The month of November seems to focus on Thanksgiving.  As we look forward to the holiday season and ahead toward the end of the year, our thoughts tend to turn more introspective.  We look around at all we have and give thanks that we have been so blessed.  This feeling of...

Thursday, November 19th 2015

Community First! Local Businesses We Love: Maybrook Edition

promotion - little pops pizza & village of maybrook

Community First.  Local business is the cornerstone of our community.  Today we once again want to take some time to thank some of our favorite local businesses for allowing us to work by their side. We are focusing on businesses around our Maybrook branch today; Little Pops Pizza & Village...

Friday, November 20th 2015

Supporting Local Charities Makes Our Communities Stronger, Part 2 - Wallkill Edition

promotion - plattekill elementary kinder box & vision of wallkill

Community First - At WVFSL we believe in the importance and power of Community.  We believe in supporting local charities. Doing so allows us to reach out to group that is larger than our customer base and show we care. We are in the second month of sharing a little...

Wednesday, December 2nd 2015

Community First! Local Businesses We Love: Wallkill Edition

promotion - gardiner animal hospital &  winters property management

We believe that if we put Community First then life gets better for all of us. For us at WVFSL, local business is the cornerstone of community.  We work hard to ensure that local businesses have what they need to make their banking life a little easier.  Today we once...

Thursday, December 10th 2015

Supporting Local Charities - The Paper Chain & The Power of Together

charity promotion - the paper chain

About The Paper Chain The Paper Chain is a charity organization run by Amber Williams that focuses on the community coming together to help out those in need. Each year residents of the Wallkill Community “adopt” children within the area that are less fortunate and provide gifts so that Christmas can...

Friday, December 18th 2015

Supporting Local Charities Makes Our Communities Stronger, Part 3 - Milton Edition

charity promotion - marlboro youth baseball & softball association

Community is important for each of us.  Having a friendly environment for our children to play and people willing to donate their time to keep us safe are important to the life of our local community.  As a bank, we believe in supporting not-for-profit organizations that help to make our...

Tuesday, December 22nd 2015

Supporting Local Charities Makes Our Communities Stronger, Part 4 - Highland Falls Edition

charity promotion - american heart association & highland falls library

Community is important for each of us.  Having a friendly environment for our children to play and people willing to donate their time to keep us safe are important to the life of our local community.  As a bank, we believe in supporting not-for-profit organizations that help to make our...

Monday, December 28th 2015

Say Goodbye to 2015 and start planning for 2016!

happy new year graphic
Thursday, January 7th 2016

It's 2016! Saving tips to help you reach your financial goals!

bar graphic of stacks of coins with caption - reach your financial goals

If making better financial choices tops your list of 2016 To Dos, then this is the blog for you!  Wallkill Valley Federal Savings & Loan believes in fiscal responsibility and wants to help you make this year the one where you get your finances in order.  This month we are...

Friday, January 15th 2016

Are you ready to start saving? It's time to open an Individual Retirement Account or IRA.

nest with egg and pile of cash and caption - are you ready to start saving

Wallkill Valley Federal Savings & Loan LOVES to talk about fiscal responsibility and does their best to help the community work toward setting and achieving financial goals. If saving money is your number one financial goal for 2016, it may be time to think about opening an Individual Retirement Account.   We’ve...

Wednesday, January 27th 2016

Want to be smarter with your money? Start by making smarter checking choices.

person writing check

Our blogs this month have been all about being fiscally responsible and saving money.  We hope you have found some of our information helpful. This week we are shifting our focus slightly to talk about checking accounts and how to make smarter choices with them.  Remember, we at WVFSL are...

Monday, February 8th 2016

Cash flow is king. Tips for small business owners.

pile of one dollar bills

We love the relationships we develop with our small business owners and are proud to be a strong supporter of small business growth in our community.  To that end, we are continuing our trend of blogging about fiscal responsibility, with a discussion on one of the biggest stumbling blocks to...

Wednesday, February 17th 2016

5 ways your bank account can make life easier.

woman using laptop and smart phone at table

Americans are busy.  Work days are long, time off is short and the retirement age has increased. People find themselves running from one activity to another with little time left over for fun.  We want to help by making banking as easy as possible.  It has never been more convenient...

Monday, February 29th 2016

5 ways avoid ATM fees & Bank Smarter.

person inserting atm card

WVFSL has been focusing a lot lately on providing products and services that help our customers Bank Easier.  Unfortunately sometimes convenience has a price.  Yes, it is really easy to grab some cash from the ATM machine you find in the gas station or in the mall, but between the...

Tuesday, March 22nd 2016

Home Equity. Rates are low, can you use your home's equity to your advantage?

house with caption - rates are low, can you use your home's equity to your advantage?

Home values are increasing, rates are at an all time low and homeowners are finding they have more equity in their homes.  In fact, the amount of equity found in people’s homes is at its highest rate today since 2006.  What is Equity? What is Equity?  Simply put, equity is the difference...

Tuesday, March 29th 2016

Escrow Accounts. What are they & how do they work - Great information for 1st time homebuyers.

model house on pile of cash

If you are a first time home buyer, the terms used when applying for a mortgage can be confusing.  As a bank who wants to help our clients stay informed and make smart financial decisions, we thought we would spend some time on today’s blog to explain Escrow Accounts and...

Wednesday, April 6th 2016

You Better Save it for a Rainy Day - 7 things worth saving for!

woman holding umbrella with caption - saving for a rainy day

Like the song says… “You better save it for a rainy day!”  You know you need to save, but do you really know what to save for?  In a blog we posted earlier this year, we talked about how setting financial goals are important and then went on to discuss...

Monday, April 18th 2016

Ready to buy? Time to Pre-qualify! What you need to know about prequalification letters!

couple meeting with loan officer

If you are buying your first home, you most likely have tons of questions.  The good news is, we can help!  Today we are going to provide information designed to help the first time buyer learn about the all important Mortgage Pre-Qualification.  So if you are ready to buy your...

Wednesday, April 27th 2016

Who are Fannie Mae & Freddie Mac?

fannie mae and fredde mac text logo

You may have heard of Fannie Mae & Freddie Mac but do you know who (or what) they are?  More importantly, do you know what they have to do with your mortgage?  Today’s blog is going to answer those questions.  So if you’re curious, read on.  Meet Fannie Mae Fannie Mae was...

Thursday, May 12th 2016

Community First! The people you meet...Jim DiSalvo, branch manager Highland Falls.

headshot - jim disalvo highland falls branch manager

Our new TV ads running feature our branch managers out and about in the community.  We thought we would brag on them a little bit in order to help you get to know them a little bit better.  Since this week we are focusing on Highland Falls, it is only...

Monday, May 23rd 2016

Community First! Milton edition

milton ny street view

Part 2 of our Community First blog series will be focusing in on our Milton Branch. Each week we will be talking about our branch locations and hope to shed a little light what it is like to be a part of the communities in which we live and work. ...

Thursday, May 26th 2016

Community First! The people you meet...Mary Beth Maio, branch manager Milton.

headshot  mary beth malo milton branch manager

Our new TV ads running feature our branch managers out and about in the community.  We thought we would brag about them just a bit in order to help you get to know them a little bit better.  Since this week we are focusing on Milton, we will talk about...

Friday, June 3rd 2016

Community First! Maybrook edition

caboose in maybrook

Part 3 of our Community First blog series will be focusing in on our Maybrook Branch. This week we will be talking about our newest branch locations and hope to give you a glimpse of this close knit community.  In Maybrook we: Enjoy the Park Frederick Meyers Veterans Memorial Park and David Weiss...

Friday, June 10th 2016

Community First! The people you meet....Denise Mathelier, branch manager Maybrook.

headshot - deine mathelier branch manager maybrook

We’ve just started airing the second of our new TV ads featuring our branch managers!  This one also features the BM’s out and about in their communities and since we are talking about Maybrook this week, we thought we would share a bit about our branch manager at that location,...

Monday, June 20th 2016

Community First! Wallkill Edition

wvfsl headquarters building

For the final blog in our Community First blog series we will put our focus on our Flagship branch, Wallkill. With the beautiful weather we have been enjoying and summer’s official appearance next week, we thought we would share some of the awesome things to do OUTDOORS in and around...

Thursday, June 23rd 2016

Community First! The people you meet....Rachel Haygood, branch manager Wallkill.

rachel haygood - branch manager wallkill

We love our TV ads featuring our branch managers and hope that you are enjoying them too!  We’ve been sharing information about the communities surrounding each of our branch locations as well as a bit about our branch managers.  Today, we are ready to feature the branch manager of our Main...

Tuesday, June 28th 2016

4th of July Happenings - Let's Celebrate Together!

4th of july image firewood and american flag

Happy Birthday USA!  A weekend filled with celebrations is upon us and as you set your plans for the weekend in motion we thought we would let you know of some events happening in and around our community! In our Communities: Maybrook: The Village of Maybrook will host their Annual 4th of...

Wednesday, June 29th 2016

Bank Safer - Tips to help protect you from cyber theft

woman using laptop and phone at table

Our goal is to help our clients keep more of their hard earned money.  That means helping them protect their accounts from cyber theft! Here are our top tips to help keep you and yours protected: Protect your computer.  Make sure you have software installed on your computer that protects you from...

Thursday, July 14th 2016

Community First! The people you meet...Mike Horodyski, President and CEO of Wallkill Valley Federal Savings and Loan.

headshot mike horodyski - president & ceo wvfsl

Our newest TV ads feature our wonderful branch managers as well as our president and CEO Mike Horodyski.  We’ve spent some time on the blog recently talking about our community and how much we love our communities.  Today we thought we would spend some time getting to know our leader...

Thursday, July 21st 2016

Community First! The people you meet...Rolly Peacock, Vice President; Commercial Lending.

headshot rally peacock - vp commercial lending

Communities are built on the foundation set by the small business within them.  We love our business customers and we thought our blog this week should feature our Vice President of Commercial Lending, Rolly Peacock.  Enjoy! Getting to know Rolly Peacock, Vice President - Commercial Lending for Wallkill Valley Federal Savings...

Monday, August 1st 2016

New Debit Cards are on the horizon with the added protection of Security Chips!

graphic mastercard debit card

WVFSL has been talking a lot over the past year about creating the ideal banking experience for our customers.  We’ve worked hard to update our banking technology to be sure that our customers can Bank Easier. We’ve been encouraging our customers to make the most of our products and services...

Wednesday, August 3rd 2016

Bank Safer - Tips to help increase your Small Business' cybersecurity.

graphic gears

Bank Safer Our goal is to come along side our small business customers... That is why we are providing some cyber security information to help you protect your business from cyber theft.  We hope you enjoy the following information: Establish a security policy.  Be sure that all employees understand the policy as well as...

Tuesday, August 9th 2016

Hand in Hand and Face to Face - How Wallkill Valley Federal Savings & Loan's loan process is different.

men shaking hands, couple sitting near each other

The loan process at Wallkill Valley Federal Savings and Loan really is Different from other banks.  How is it different?  Well, first of all of our loans are processed in house and serviced in house for the life of the loan.  That means that when we begin the process of...

Wednesday, August 17th 2016

Community First! The people you meet...Melissa Flickenschild, Senior Residential Loan Officer at Wallkill Valley Federal Savings and Loan.

headshot - melissa flickenschild - sr residential loan officer

We love our communities.  The businesses, homes and people that make up our are important to us.  Today we thought we would spend some time getting to know our Senior Residential Loan Officer because she has spent so much time getting to know the people who live in our communities...

Tuesday, August 30th 2016

Summer is coming to a close...end it with Labor Day Fun!

audience outdoor concert

It’s almost Labor Day!  We know everyone is doing their best to make the most of what is left of summer, so we thought we would let you know of some events happening in and around our community! Head to the Ulster County Fair Grounds for the Woodstock-New Paltz Arts &...

Thursday, September 15th 2016

Community First! The people you meet...Domenic Baiocco, Commercial Loan Officer.

headshot domenica balocco - commercial loan officer

We love our business customers!  Wallkill Valley Federal Savings and Loan understands that our communities are built on the foundation set by the small business within.  We are excited to keep introducing you to the people who make WVFSL great.  This week our blog will feature Domenic Baiocco one of...

Monday, October 17th 2016

Congratulations Maybrook! WVFSL's Maybrook Branch received Banking Development District Designation from New York State!

ribbon cutting maybrook branch

Wallkill Valley Federal Savings and Loan believes that putting Community First is very important.  That is why we are so excited to receive the Banking Development District Designation from New York State for our newest branch in Maybrook.  Our President Mike Horodyski shared the following when talking about receiving the...

Wednesday, October 19th 2016

Bank Smarter...with a Holiday Club Savings Account!

gift graphic with caption - holiday club savings account

If you are already a member of this “old fashioned” club at Wallkill Valley Federal Savings and Loan you will be doing the happy dance this week!  Why? Because members of our Holiday Savings Club’s hard work all year long is about to pay off.... in the form of a...

Wednesday, October 26th 2016

Halloween Safer...tips to keep your Halloween happy!

kids in halloween costumes

Can you believe that October is almost at and end and the kids will be trick or treating next week?  Halloween can be tons of fun as long as everyone plays it safe! As your community bank we wanted to post a few tips for all the families out there...

Monday, November 28th 2016

Feeling Robbed...by your bank? It doesn't have to be that way!

bank robber at branch

Bank Fees have a way of adding up, draining your account and leaving you feeling robbed.  Our goal at WVFSL is to help our customers keep more of their hard earned money.  We do our part to help keep our fees to a minimum.  We also understand the importance of educating...

Tuesday, December 6th 2016

Congratulations to Michael Horodyski. Thank you for the leadership example you set each and every day!

branch staff gather from group photo

On December 2nd, Mount Saint Mary College held its Seventh Annual Gala Reception and bestowed their Joseph A. Bonura Leadership Excellence Award upon our very own Michael Horodyski.    Michael Horodyski was born and raised in Highland, NY.  After graduating from Marist College with honors, Michael spent a short time on the...

Friday, December 16th 2016

Give! Why giving back is such an important part of what we do at Wallkill Valley Federal Savings & Loan.

bank staff wrapping gifts

The holiday season is here!  For many this wonderful time of the year fills them with the holiday spirit as they joyfully give back to the those in their community that need it most! We love that!  Putting community first has always been important to us at Wallkill Valley Federal Savings...

Wednesday, December 21st 2016

Community First - What that really means to Wallkill Valley Federal Savings & Loan.

domenica balocco working with customer

We have been saying for some time that Wallkill Valley Federal Savings & Loan is banking that puts Community First but what does it really mean in practical terms?  Here are 5 ways we work every day to put you, our community, first. Community First 1 - Day to Day Engagement We are...

Friday, December 23rd 2016

Are you ready for 2017? What can you do to be sure that you are in the best fiscal shape for the year ahead?

happy new year 2017

It’s resolution time!  Statistically 25% of you added Spend Less, Save More to your list of resolutions. Well, we can help!  Wallkill Valley Federal Savings & Loan believes in fiscal responsibility and would love to help you make 2017 a prosperous new year.  Here are our top tips for a bright financial...

Friday, December 16th 2016

Wallkill Valley Federal Savings & Loan and Hometown Bank of the Hudson Valley Announce Merger Agreement

wvfsl headquarters building

Company Release – 12/16/2016   Wallkill, NY -  Wallkill Valley Federal Savings & Loan and Hometown Bancorp, Inc. (MHC) (OTC Pink: HTWC) jointly announced that they have entered into a definitive merger agreement under which Wallkill will acquire Hometown Bancorp, Inc. (MHC) for $3.01 per share which will be paid out in...

Tuesday, January 17th 2017

Achieve in 2017 - 3 Tips to help you reach your financial (saving) goals!

women putting money in piggy bank

Everyone can agree that we are heading into 2017 looking to create a better year than the one we left behind on December 31st.  Most people, even if they don’t make formal resolutions, set goals for themselves when the dawn of a New Year begins.  One of the top resolutions...

Monday, February 20th 2017

Checking Account Features

person taking picture of check with phone

It’s about 4:18 on a Wednesday afternoon in beautiful, downtown Highland Falls.  Sitting on the passenger seat next to you is a bonus check your boss handed you this afternoon that you want to deposit as soon as possible.  All you want to do is get to the bank before...

Tuesday, February 28th 2017

Wallkill Valley Federal Savings & Loan, banking that puts Community First

Ask anyone who is part of the Wallkill Valley Federal Savings & Loan team and they will tell you how much they enjoy being a part our unique approach to banking.  We’re different.  Our approach to banking is different for a reason - you. “The center focus of each day at...

Thursday, March 16th 2017

Putting the Personal Back in the Personal Loan Process

house at dusk

When you think about the process of taking out a loan, the word that often comes to mind is stressful.  However, at Wallkill Valley Federal Savings and Loan we’re different than other banks.  Our loan application process is different because we feel it is important to get to know you...

Monday, March 27th 2017

Community First - WVFSL's top 3 reasons why it is important to build a relationship with your bank.

two people shaking hands

Wallkill Valley Federal Savings & Loan is a bank that believes in putting Community First.  One of the ways we do this is that we build relationships with our customers.  We spend the time getting to know you.  We find out about your goals and then work to help you...

Tuesday, May 23rd 2017

The Home Stretch: Our Guide to Closing Costs

person signing documents at desk

Are you are dreaming and shopping …for the purchase of your new home?  You probably can’t wait for your closing date to come so you can get your keys and move in. You’ve got it all planned out, right? Did you plan for closing costs?                                        One thing that many new...

Monday, April 3rd 2017

Types of Small Business Loans

open sign

So you have the idea, the model, and the partners to back it up.  You are ready to start that business up.  Small businesses are the backbone of our community. With our long-lasting goal of putting community first, we want to help your business succeed.  Whether your life as a business...

Thursday, April 13th 2017

Destination Home: Tips for Buying Your First Home

house at daytime

Destination Home Tips for Buying Your First House Your first house will be more than just a place to live.  Although the house might be empty when you move in, it will soon be filled with the sounds of laughter as you make memories.  This is your destination…Home.     We understand buying your...

Friday, May 12th 2017

Buying a new home? Here is a list of documents you will need to get a loan.

people around conference table

You’ve dreamed, saved and planned.  Now you’re ready to get serious about the process of obtaining a mortgage for a new home. You’re next step is to head to the bank to start the pre-qualification process.  Well in case it’s been a while since you’ve gone through this process or if...

Tuesday, April 25th 2017

Proposed Reorganization

notice for the board of director voting for reorganization

Proposed Reorganization – Each Member Vote is Very Important!   On May 16th, 2017 Wallkill Valley Federal Savings and Loan Association will be holding a special meeting for all members.  The purpose of the meeting is for members to consider and approve a proposed Reorganization of Wallkill Valley Federal Savings and Loan...

Wednesday, June 7th 2017

Business Banking

woman standing in street looking toward sun

When your business is growing, a bank that puts community first may be your best friend. When it comes time to start a new business or expand an existing business most of the time entrepreneurs turn to a bank for a loan to make things happen.  There was a time when...

Thursday, June 15th 2017

The Dad's Handbook on Teaching Kids Good Financial Habits

father and child walking towards lake at sunset

“But Daddy…can’t you just buy it for me?” Sound familiar? Being a Dad is a title that encompasses many roles.  As a father, you are a teacher, a counselor, cheerleader, best friend and more.  Oftentimes, you are the first in line for teaching healthy financial habits.    It is important to talk...

Friday, June 23rd 2017

The Graduates Survival Guide for Financial Independence

graduation caps thrown in the air

3…2…1… The caps are in the air and they’ve finally did it! Family and friends are congratulating your graduate left and right and they are excited to move onto the next milestone in their life, either to college or the real world. With another turning point in anyone’s life comes more responsibility. ...

Thursday, July 6th 2017

Your Guide For Summer Fun!

happy family

Summer is FINALLY in full swing! The winter blues have melted away and summer is here to stay! (at least for the next few months) You don’t need to get away in order to have some good, old fashioned summer fun.  There are events happening right here in our backyard for you...

Thursday, July 13th 2017

Letter to Customers

scan of form letter to customers

IMPORTANT DATES  Friday, August 11  For your convenience, all branches will be open normal hours.  Telephone banking, Mobile Banking, Online Banking and Bill Pay will be unavailable from Friday, August 11 at 8:00 p.m. until Monday, August 14 at 9:00 a.m. ** Saturday, August 12 and Sunday August 13  All Wallkill Valley...

Wednesday, July 19th 2017

Savings 101 for Your Teen

girl on swing in summer

  Do you remember your first summer job?  The feeling of getting your first paycheck and finally being able to spend your own money was as sweet as the ice cream you were dishing out on the job.  Unfortunately that first paycheck and all the ones that follow have a tendency to...

Monday, August 7th 2017

Important Information

notice that wvfsl acquired hometown bank of the hudson valley

Wallkill Valley Federal Savings and Loan has acquired Hometown Bank of the Hudson Valley! The acquisition of Hometown Bank of the Hudson Valley by Wallkill Valley Federal Savings and Loan Association has received all the necessary regulatory approvals.  We are scheduled to close the transaction on Friday, August 11, 2017. We have...

Wednesday, August 9th 2017

Tips for a No-Sweat Summer Move

sealing a cardboard box

Are you wondering why there has been so many moving trucks around your community in the past couple weeks?  The answer to that might be because 70 percent of all moves take place between Memorial Day and Labor Day Weekend! Wallkill Valley Federal Savings & Loan makes the process of buying...

Friday, August 11th 2017

We're Your Biggest Fan!

fans at game waving shirts

Wallkill Valley Federal Savings and Loan has always been a bank that puts Community First. Without our customers, and the communities we live and work in, we would not be who we are today. It is important for each of our customers to know….We’re your Biggest Fan. Through the last 100 years...

Friday, September 22nd 2017

WVFSL's Guide to Mobile Banking

person using phone

Your life is always on the go.  It is a constant juggling act between work and family.  Sometimes it’s impossible to remember everything on your schedule, never mind taking the time to take care of your banking!  This is why, Wallkill Valley Federal Savings & Loan makes banking easier with...

Friday, September 29th 2017

It's As Easy As 1,2,3...Mobile Deposit with WVFSL's App

person using phone to image checks

It’s pay day!  You make a mental note to leave a bit early to stop by the bank after work.  When the day is through, you get into your car when suddenly traffic comes to a halt because of an accident. You’re never going to make it to the bank...

Monday, October 16th 2017

We're Your Biggest Fan Monroe & Montgomery!

smiling family in front of building

Wallkill Valley Federal Savings & Loan has spent the last 100 or so years getting to know our customers.  We feel very privileged to have the opportunity to build relationships with our customers and walk with them through the highs and lows of life.  Our recent acquisition of Hometown Bank...

Friday, October 20th 2017

Hey Otisville and Walden, We're Your Biggest Fans!

bank staff 'high fiving' lil league player

The past year has been very exciting for Wallkill Valley Federal Savings & Loan.  The recent acquisition of Hometown Bank of the Hudson Valley has given us a broader reach into our community. We are so excited about our four new branches and can’t wait to share more about them. ...

Tuesday, November 14th 2017

It feels so good to give!

women-dancing-in-fall-leaves

Every November as we head full speed into the Holiday season our thoughts quite naturally turn to giving.  It’s better to give than receive Is more than just a golden rule from the Bible (found in the book of Acts, Chapter 20, verse 35), turns out it holds pretty true in practice. ...

Wednesday, November 15th 2017

The Biggest Fan Business Banking Experience

small-business-bakery

Nothing makes Wallkill Valley Federal Savings & Loan happier than watching our customers accomplish their dreams.   Especially our local business owners! Small businesses are the backbone of our community.  Small businesses are what make our towns flourish.    It’s no secret that small business owners spend years putting in long hours, working hard...

Wednesday, November 15th 2017

Maybe Next Year...All about Holiday Clubs

piggy-bank-in-santa-hat

When the clock struck midnight on New Year’s Eve, you made the resolution to take budgeting seriously.  All throughout the year you’ve been good about following your plan. Then the October is here and you’ve realized you forgot to budget for the holiday season!  Every year, hundreds of families are guilty...

Tuesday, November 21st 2017

It Feels Good To Give...Now What?

wallet with credit cards and cash

We published a blog earlier this month that shared why it feels so good to give. If you read that blog, tried a few of the ideas and are now feeling inspired to do more, we’d like to offer a bit more advice, specifically on the topic of monetary giving. The...

Wednesday, November 22nd 2017

Season of Stealing

holiday-retail-store

Black Friday is this week (can you believe it) and thus begins the shopping frenzy!  Unfortunately the season of giving is also the season of stealing.  So we have some tips to help you protect yourself from thieves and keep your holiday merry! It feels good to give but make sure you...

Friday, August 10th 2018

Life Is Better When You Love Your Bank

You’ve got a million things on your to-do list and heading to the bank is just one more task to complete.  Buying a home is exciting but applying for a mortgage can be a stressful process.  Sometimes I guess you could say that banking is a drag.  Well, it doesn’t...

Wednesday, December 13th 2017

We'll Help Your Savings Grow

Wallkill Valley Federal Savings & Loan is growing and we are committed to helping to help our community grow right along with us.  Part of that is getting to know our customers and offering the products and services to help them reach their financial goals.  If saving money is part...

Thursday, December 14th 2017

Last Minute Gift Ideas At Any Budget

stack of wrapped holiday gifts

Is the date on the calendar making you panic?  Still need a few gifts? Well hopefully we can help. You can give a gift or an experience. A well-researched outing will bring a smile to your friend’s face as easily as a pretty package.   Here are a few ideas for the...

Friday, December 22nd 2017

Point yourself in the best direction for a healthy fiscal 2018.

Can you hear it?  The clock is ticking and 2017 is coming to an end.  If you are giving any thought on how to end your year fiscally strong and get yourself pointed in the best direction for a healthy fiscal 2018, we are here to help.  Below are some...

Friday, January 5th 2018

Setting Goals for 2018

We all say this at the end of every year, but can you believe 2017 is almost over? When the year comes to an end, it’s time to reflect on the last year and look ahead to the new one. It’s New Year’s Resolution time and at Wallkill Valley Federal Savings &...

Thursday, February 15th 2018

AHA Month of Love

We Support the American Heart Association – WVFSL’s Charity of the month. February is the month of love and we can’t think of anything better than lending our support to the American Heart Association!  Turns out February is also AMERICAN HEART MONTH so the timing is perfect. Wallkill Valley Federals Savings &...

Friday, March 9th 2018

Budgeting Makes Giving Easier

Giving makes us happier.  It’s not just a nice sentiment; there is real science behind it.  When we give, we get the same rush as when we enjoy a piece of chocolate.  And it doesn’t seem to matter how much you give, the rush is the same.  Turns out that...

Friday, March 16th 2018

Don't Lose Your Money to a Scammer - Tips on how to protect yourself from this very real threat.

Unfortunately we live in a world where being taken by a scammer is something we all have to think about.  Scammers use a variety of methods to take your money but for today’s blog, we are going to focus on two, email phishing schemes and fake IRS calls. Don’t take the...

Friday, March 23rd 2018

Helping you Purchase Your First Home After all, We're your biggest fan!

Buying a home can be an extremely stressful time especially if you’ve never gone through the process before. As your biggest fan, we’d like to help the process of buying your first home be a pleasurable one.  Take a look at some of our favorite tips below: Save before you buy....

Wednesday, April 11th 2018

Smart Ways to Spend your Tax Refund

April is tax season and while some people are stressed about filing their taxes on time, others are eagerly anticipating their refund check.  If you are part of the latter group, we’ve got a few ideas for smart ways to spend your tax refund. Here are a few ideas for your...

Friday, May 4th 2018

Banking That Truly Puts Community First

Wallkill Valley Federal Savings & Loan is a community-minded business. Our headquarters is not located in another state like corporate banks.  Our Board of Directors, officers, and all our staff all live, work, and play right here in the Hudson Valley. One of the ways we put community first is by...

Thursday, May 10th 2018

Stuff Mom Taught Me

Mother’s Day is coming and we couldn’t think of a better way to celebrate than sharing a few of the important lessons Mom taught us and why those lessons have meaning for us at WVFSL. Maybe you’ve heard a few of these before? Treat People The Way You Want To Be Treated...

Wednesday, June 6th 2018

Business Banking

We love to support local businesses because we know how important they are to the community.  Small businesses are the heart of the community. They give our towns character, provide jobs and are a key part of what makes a town flourish. As a bank that has Community First as...

Wednesday, July 18th 2018

WVFSL is like a Summer Blockbuster

In the height of summertime heat, there is nothing quite like escaping to the movies for a little AC & entertainment.  When Avengers: Infinity War was released it got us in the mood for a good blockbuster and now with Incredibles 2, Jurassic World 2, Ant Man & The Wasp...

Tuesday, July 17th 2018

We're Your Biggest Fan... We Can't Wait To Share More!

Simply put, we love the people and communities that we are lucky enough to serve each and every day.  Our new online video series – We’re Your Biggest Fan gives us the opportunity to share a little bit about the people and organizations that make up our community with some...

Thursday, September 6th 2018

Customer Appreciation Month - Shred Days!

We love our customers!  That is why we have decided to declare September as Customer Appreciation Month!  We are ready to celebrate you by offering Shred Days in each of our branch locations! Get rid of your unwanted paper by bringing it into your local branch to dispose of it safely...

Tuesday, September 25th 2018

Banking... On The Go

Busy, Busy, Busy!  Our lives move at a fast pace, dashing out the door in the morning to drop off kids, make it to the office on time, sneak in a workout or run a few errands. Wallkill Valley Federal Savings & Loan understands that your life is constantly on...

Wednesday, October 10th 2018

Protect Your Investment - Tips On Getting Your Home Winter Ready

Your home is likely your biggest investment so it makes sense that you would want to do all you can to be sure it is protected from the damage that can occur during extreme weather.  Fall is the perfect season to baton down the hatches and get your home ready...

Wednesday, October 17th 2018

"Hey Alexa!" Tips On Keeping Your Personal Information Protected In The Digital Age

When someone uses your personal information in order to commit fraud that is known as identity theft.  Identity Theft has become an increased threat in today’s digital age.  Hackers gain access to your personal information such as your social security number, mother’s maiden name, date of birth or your bank...

Thursday, October 18th 2018

Make The Most Of Your Home's Equity - Biggest Bang For Your Home Improvement Buck

Your home is more than your place of refuge, it is also more than likely the biggest investment you’ll ever have.  When you have equity in your home, you have a solid investment in the future.  We just want to take a moment to define home equity, for those who...

Friday, October 19th 2018

This Year Let's Have Less Tricks And More Treats... Tips For Halloween!

When fall rolls around and we begin to enjoy the beauty of the fall season in the Hudson Valley that means that Halloween is right around the corner! Halloween is a fun time especially when everyone does all they can to stay safe! To help your family enjoy more treats...

Friday, November 9th 2018

We're Your Biggest Fan! For all you do and all you bring to your community!

We love watching people within our branch communities come together and do good things for each other.  Our new online video series – We’re Your Biggest Fan gives us the opportunity to brag a little bit about the people and organizations that make up our community.  We also take a...

Monday, November 19th 2018

Banking That Puts Community First, By Giving Back

We have always been a bank that puts community first.  One of the ways we strive to do that is give back to those in our community who need our support.    For October, our charities of the month were The Back Pack Program, which provides food to families through one of...

Tuesday, November 27th 2018

Small Businesses...we're your biggest fan! Business Banking at WVFSL

Wallkill Valley Federal Savings and Loan are BIG supporters of small businesses in the Hudson Valley.  We work with businesses of all shapes and sizes from the local pizza place on the corner to your favorite physician in town to the construction firm that built your home and the law...

Thursday, December 6th 2018

Let Us Help Your Savings Grow

Wallkill Valley Federal Savings & Loan is committed to helping our community grow; after all, we’re your biggest fan!  If you are looking to put away some money before the end of 2018, then you’ll want to find out more about our special CD product for new customers.   What is a...