To me, Wallkill Valley Federal is the definition of a bank that cares about its local community. They felt strongly that the local hardware store should stay locally owned, so they worked with me to make it a reality. Not only did they give me a mortgage on the building, they helped me obtain a small business loan as well. Throughout the entire process everyone was helpful and pleasant, from the tellers to the President of the bank. In not for Wallkill Valley Federal, the process would have been frustrating and a lot more expensive. My only regret is that I didn't discover them earlier in life so I could have done more banking with them. They are truly a hometown bank.