Community Heritage Financial Inc. (CMHF)

Overview

Community Heritage Financial, Inc. is a bank holding company for Middletown Valley Bank, offering a variety of retail and commercial banking services primarily in Maryland and Pennsylvania. Established in 1908 and headquartered in Middletown, Maryland, the company serves the financial needs of individuals and businesses in Frederick and Washington counties in Maryland, as well as Franklin County in Pennsylvania. Its focus on community banking principles has allowed it to provide personalized financial solutions to its customers for over a century.

Products and Services

• Demand, Savings, and Time Deposits

These are fundamental banking deposit products that allow customers to safely store their money with the convenience of easy access in the case of demand deposits or earn interest over time with savings and time deposit accounts. These products cater to both the immediate and future financial security needs of individuals and businesses alike.

• Real Estate Mortgages

Community Heritage Financial provides mortgage financing solutions for a wide range of real estate needs, including new home purchases, refinancing options, and construction lending. Their services are designed to support the communities they serve in achieving home ownership or investing in real estate.

• Commercial Business Loans

The company supports local businesses by offering commercial loans that can be used for a variety of purposes, including operational expenses, expansion, and capital investment. These loans are tailored to meet the unique needs of each business, fostering growth and economic stability within the community.

• Installment Loans

For personal or business use, installment loans offer customers the opportunity to borrow a lump sum of money to be paid back in regular installments over a set term. This can be particularly useful for larger purchases or consolidating debt, providing a structured repayment plan.