Heritage Family Credit Union Castleton VT | Affordable Auto Loans & Online Banking

Introduction

Welcome to Heritage Family, your trusted partner in financial wellness since 1956. Located at 643 Main St, Castleton, VT 05735, we are dedicated to serving our community with a range of personal and business banking solutions designed to meet your needs. With over 50,741 members and total assets reaching an impressive $773,424,965, we pride ourselves on being a reliable resource for financial growth and security. At Heritage Family, we believe in empowering our members through personalized service and innovative products. Whether you're looking for a new auto loan, refinancing your mortgage, or seeking business banking options, our experienced team is here to guide you every step of the way. Our CEO, Chris Gomez, along with Board President Gwen Flewelling, lead our dedicated staff of 187 employees who are committed to your success. While members can visit us at our branch address, official correspondence should be sent to 26 Allen St, Rutland, VT 5701. We encourage you to explore our services further by visiting our website at www.hfcuvt.com. With a robust portfolio that includes over 35,529 loans and leases and total deposits amounting to $44,811,579, Heritage Family is not just a credit union; we're a community-focused organization that cares about your financial journey. Join us today and experience the difference that comes with being part of a credit union that truly values its members! If you have any questions or need assistance, don't hesitate to call us at 888-252-8932. We're here to help you thrive!

Branch History & Mission

Heritage Family has a rich history that began in 1956 when we opened our doors in the heart of Castleton, VT. Since then, we have grown from a small credit union into a thriving financial institution with over 50,000 members. Located at 643 Main St, Castleton, VT 05735, our branch is easily accessible and serves as a vital resource for the community. As we evolved over the years, our commitment to providing exceptional financial services remained unwavering. We take pride in our total assets of over $773 million, which reflects our growth and stability. Our mission is simple yet powerful: to enhance the financial well-being of our members while fostering a sense of community. We believe that banking should be personal, and that's why we focus on building meaningful relationships with each member. At Heritage Family, we offer a wide range of services tailored to meet the diverse needs of our members. From personal banking solutions like checking and savings accounts to auto loans and mortgages, we strive to empower individuals and families on their financial journeys. In addition to traditional banking services, we also provide modern conveniences such as online banking and mobile payments, ensuring that members can manage their finances anytime, anywhere. Our commitment extends beyond just banking; we actively participate in community outreach programs aimed at supporting local initiatives and partnerships. Whether it's sponsoring community events or collaborating with local organizations, we are dedicated to making a positive impact in Castleton and its surrounding areas. While you can visit us at 643 Main St, for any official correspondence, please send your mail to 26 Allen St, Rutland, VT 5701. Our friendly team is available during operating hours from 9:00 AM to 5:00 PM on weekdays, ready to assist you with any questions or needs you may have. Join us at Heritage Family and experience how we put our members first every day. Together, let's build a brighter financial future! For more information or to become a member, please call us at 888-252-8932 or visit our website.

Branch Location & Accessibility

Connect with Us

Have questions or need assistance? Feel free to give us a call at 888-252-8932. We invite you to stop by and experience firsthand the welcoming atmosphere that makes Heritage Family a great place for your financial journey. We look forward to serving you!

Nearby Landmarks and Accessibility

Our Castleton branch is close to several well-known landmarks. Just a short drive from the scenic Lake Bomoseen and the bustling downtown area, we are perfectly situated for your banking needs. Plus, we prioritize accessibility; our branch features ADA-compliant entrances and parking spaces so everyone can easily access our services.

Operating Hours and Services

We're here for you from Monday to Friday, with lobby hours running from 9:00 AM to 5:00 PM. Need quick cash? Our ATM is available for withdrawals and balance checks whenever you need it. Although we don't have drive-thru banking, our friendly staff is always ready to assist you inside. At Heritage Family, we offer a range of personal banking services including checking and savings accounts, auto loans, mortgage options, credit cards with rewards, and much more! We also provide online and mobile banking solutions for those who prefer banking on-the-go.

Member Eligibility

At Heritage Family, we believe that everyone deserves to be part of a welcoming and supportive community. Becoming a member is easy and open to anyone who lives, works, or attends school in our local area. We also welcome family members of existing members, so you can bring your loved ones into our fold. Joining Heritage Family means gaining access to a range of benefits like competitive loan rates, personalized service, and various financial products tailored just for you. If you're interested in learning more about the specific eligibility criteria, feel free to check out our detailed information at this link. When you're ready to open an account, it's just a click away at this page. If you have any questions or need assistance, don't hesitate to call us at 888-252-8932. Our team is here to help you every step of the way!

Business Banking & Commercial Services

Loan Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $823 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $9 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $81,631,494, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Work

In addition to loans, we offer merchant services designed to make daily transactions easier. Imagine being able to accept payments swiftly and securely, whether you're at a retail location or a pop-up event. Our services can help streamline your operations so you can focus on what really matters growing your business. Visit us at 643 Main St, Castleton, VT 05735, or call us at 888-252-8932 to learn how we can help your business thrive!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Our ATM services ensure that cash is always within reach. With basic ATM access for withdrawals and balance checks, you won't have to worry about finding a branch whenever you need cash. At Heritage Family, we're dedicated to serving our community by providing quality financial products and services designed around you. Whether you're at home or on the go, accessing your finances has never been easier. Ready to explore how we can help? Call us at 888-252-8932, visit us online at hfcuvt.com, or stop by our branch in Castleton today! Your journey towards better financial health starts here with Heritage Family.

Business Banking Services

For our business members, we offer comprehensive business banking services, including merchant services and business loans designed to help your company thrive. We know how crucial it is for businesses to have reliable financial support; that's why we're committed to helping you navigate through your financial needs.

Credit Cards and Rewards

Our credit cards with rewards not only simplify purchases but also earn you points for travel, shopping, and more. It's like getting rewarded for spending! You can count on us for flexible payment options and great customer service whenever you need assistance.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why we emphasize our online and mobile banking features. With our digital banking tools, you can manage your accounts anytime from anywhere. Pay bills, check balances, or transfer funds with just a few taps on your smartphone.

Personal Banking Solutions

We understand that personal banking is about more than just numbers; it's about meeting your goals. At Heritage Family, we offer various checking and savings accounts designed for every lifestyle. Imagine having easy access to your funds while enjoying competitive interest rates that help your savings grow. When it comes to financing a vehicle, our auto loans and vehicle financing options can help you get behind the wheel of your dream car without breaking the bank. If you're considering buying a home or refinancing an existing mortgage, we provide mortgage loans that cater to your budget and long-term plans. Plus, our personal loans are perfect for consolidating debt or covering unexpected expenses with ease.

Digital & Online Banking

Key Features

When you visit us at Heritage Family, you'll discover an array of online banking options that make managing your money straightforward. Our online banking platform allows you to check balances, transfer funds, and pay bills with just a few clicks. Plus, our electronic signature authorization means you can sign documents quickly and securely, without the hassle of printing or mailing. E-statements are also available for those who prefer a paperless experience. This feature not only helps the environment but also makes it easier to keep track of your transactions from the comfort of your home. For those on the go, our mobile application provides all the tools you need right at your fingertips. Whether you want to make mobile payments or manage your accounts on the fly, our app is user-friendly and secure. You can even send money to friends and family through person-to-person transfers though currently, this feature isn't available at Heritage Family.

Security & Convenience

Your security is our top priority. We utilize advanced encryption technology to keep your personal information safe while you bank online or through our app. You can rest easy knowing that your transactions are protected every step of the way. With real-time account management and easy accessibility, Heritage Family's digital banking services empower you to take control of your finances without any stress. Sign up today and experience the convenience for yourself!

Financial Strength

Commitment to Our Members

Net Shares (Funds available for lending and investments): $2,515,529. Total Share and Deposit Accounts: 96,680, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Heritage Family is your trusted partner. Visit us at 643 Main St Castleton Vt 05735 or call (888) 252-8932 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $123,938,907 in share certificates and $51,973,159 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $952,065, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 185 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $87,871,778 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $9,571 in used auto loans and $544,411,382 in total loans and leases.

Strong Capital Foundation

With a net worth of $88,385,341, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.42% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already assisted our members with over $139,518,542 in used vehicle loans and $11,345,175 in new vehicle loans. Whether you're eyeing a brand-new model or a reliable used car, we can help get you on the road.

Business Financing

For business owners looking for growth opportunities, our outstanding commercial loans totaling $81,631,494 provide the capital needed to expand your operations. We believe that supporting local businesses is essential for community growth and prosperity. At Heritage Family, we're dedicated to making borrowing straightforward and beneficial for our members. If you're considering refinancing options or want to learn about eligibility requirements for any of our loan products, feel free to reach out. Our friendly team at 643 Main St Castleton Vt 05735 is ready to assist you. You can contact us at 888-252-8932 during our operating hours from 9:00 AM to 5:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We invite you to explore how our loan offerings can help you take the next step toward achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. With total Junior Lien 1-4 Family Residential Properties loans amounting to $45,024,960, we are here to support you through every step of the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $25,830,980 in loans helping members manage their finances effectively, our credit cards come with competitive rates and rewards that fit your lifestyle.

Loan Aggregator

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HERITAGE FAMILY FEDERAL CREDIT UNION - Castleton, VT

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