Supporting Small Business is important to us!


Wallkill Valley Federal Savings and Loan strives to put our communities first.  Offering our customers all the products and services that make banking easier is certainly a part of this, but we also love to support the small businesses that make our communities home.  We are talking about your favorite corner café and the hardware store on the block that offers you great DIY advice and offers the things you need to make your house a home.  Lending money to small businesses such as these allows us to invest back into the communities we love!


Fact About Small Businesses In New York State: 
Small businesses offer employment to 2.7 million people.


Michael Cappillino, Assistant Vice President and Commercial Loan Officer, shared some insight into his work helping local business reach their financial goals; he shared “I get the opportunity to help small businesses achieve their financial objectives.  Whether it’s a thriving business looking to expand or a struggling business looking to survive, it feels good knowing that WVFSL has the resources available to make good ole fashioned common sense loans.”

WVFSL likes to look at the business as a whole, but then we roll our sleeves up and take a closer look.

  • How long have you been in business?
  • How many jobs are you providing for the people of our community?
  • What products and services will you be providing to the community? 
  • Will those products and services fill a current need? 
  • Will the increase in capital help the business grow?

Domenic Baiocco, Vice President and Commercial Loan Officer shared “Local businesses need a bank who understands the true nature of their business. Every story is different, we understand that and it’s part of what makes us special.”   It’s no secret to us that operating a successful small business doesn’t come without its challenges. From time to time all businesses need access to capital in order to go from surviving to thriving.  WVFSL is proud to be a part of that and will continue to come along side our local businesses!

To learn more about WVFSL and how we can help your business grow, we invite you to talk to one of our commercial loan officers.  You can reach Domenic Baiocco via email at or Michael Cappillino via email at