Heritage Family Credit Union Fair Haven VT | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Heritage Family in Fair Haven, Vermont! Nestled at 67 Washington St, our branch has proudly served the community since 1956. With a commitment to providing personalized financial solutions, we currently support over 50,741 members and manage assets totaling an impressive $773,424,965. At Heritage Family, we believe in building strong relationships with our members. That's why our dedicated team of 187 employees, led by CEO Chris Gomez and Board President Gwen Flewelling, works tirelessly to offer tailored services that meet your unique financial needs. From checking and savings accounts to auto loans and mortgages, we're here to help you achieve your goals. While you can visit us at our branch location, please note that official correspondence should be sent to our mailing address at 26 Allen St, Rutland, VT 5701. Our friendly staff is available to assist you during our lobby hours from Monday to Friday, 9:00 AM to 5:00 PM. With a net worth of $88,385,341 and total deposits reaching $44,811,579, we prioritize your financial security. Whether you're looking for competitive loan rates or robust online banking options, we've got you covered. We offer everything from personal loans to business banking services all designed with your best interests in mind. Ready to experience the Heritage Family difference? Visit our website at www.hfcuvt.com or call us at 888-252-8932 today. We look forward to serving you!

Branch History & Mission

Heritage Family has a rich legacy that began in 1956 when we opened our doors in the heart of Fair Haven, Vermont. Since then, our mission has been clear: to provide exceptional financial services while fostering a strong sense of community. Over the years, we have grown from humble beginnings to serving over 50,000 members and managing total assets of nearly $774 million. Located at 67 Washington St, Fair Haven, VT 05743, our branch is easily accessible and surrounded by local landmarks that reflect the vibrant spirit of our community. We invite you to visit us during our operating hours from Monday to Friday, where our dedicated staff is ready to assist you with all your banking needs. Additionally, we offer convenient drive-thru service and ATM availability for those on the go. At Heritage Family, we take pride in our commitment to not just meeting the financial needs of our members but also supporting the communities we serve. Our mission is grounded in the belief that everyone deserves access to quality financial services. We focus on personal banking solutions like checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking options. While members can visit us at 67 Washington St, official correspondence should be sent to 26 Allen St, Rutland, VT 5701. This ensures that all communication is handled promptly and efficiently. In recent years, we have embraced digital advancements to enhance member experience. With online banking and mobile payment options available, accessing your accounts has never been easier. We are proud to be ADA compliant and continuously strive to create an inclusive environment for all. Community outreach is at the core of what we do. We partner with local organizations and participate in various initiatives aimed at bettering the lives of those around us. Whether it's through financial education programs or sponsorships for local events, Heritage Family believes in giving back. As we look ahead, we remain committed to providing quality service and fostering relationships built on trust and support. We invite you to join our growing family at Heritage Family. Experience firsthand how we can help you achieve your financial goals while being part of a community-focused institution. For more information or to become a member today, call us at 888-252-8932 or visit our website at www.hfcuvt.com. Together, let's build a brighter future!

Branch Location & Accessibility

Welcome to Heritage Family, your trusted credit union conveniently located at 67 Washington St in Fair Haven, VT. Nestled in the heart of Rutland County, our branch is easily accessible and surrounded by familiar landmarks that make banking a breeze for our members. Whether you're stopping by for a quick transaction or exploring our full suite of services, we're here to support your financial needs with a smile. While you can visit us at our branch address, please remember that official correspondence should be sent to 26 Allen St, Rutland, VT 5701 if necessary. We pride ourselves on providing accessible banking options for everyone. Our location features ample parking and is compliant with ADA standards, ensuring that all members can navigate comfortably. At Heritage Family, we're open Monday through Friday from 9:00 AM to 5:00 PM, making it easy for you to find a time that works best for your schedule. Our friendly staff is always ready to assist you with personal banking needs such as checking and savings accounts, auto loans, mortgage financing, and more. Plus, if you're in a hurry, take advantage of our drive-thru service for quick deposits and withdrawals. For those on the go, we also offer ATM access right at our branch. You can withdraw cash or check your balance without having to step inside. If you have any questions or want to learn more about how we can help you achieve your financial goals, don't hesitate to give us a call at 888-252-8932. Come visit us at Heritage Family today we look forward to welcoming you into our community!

Member Eligibility

Joining the Heritage Family means becoming part of a caring community that truly values its members. At Heritage Family, we believe that everyone deserves access to financial services tailored to their needs. To become a member, you simply need to meet a few friendly eligibility criteria, which generally include living, working, or worshiping in our community or being related to an existing member. This makes it easy for many people to join us! If you'd like more detailed information about what it takes to become a member, feel free to check out our eligibility page at http://www.hfcuvt.com/join/become-a-member.html. Opening an account with us is straightforward and welcoming. You can start your journey towards membership online by visiting https://ebranch.hfcuvt.com/registration, or if you have any questions, don't hesitate to give us a call at (888) 252-8932. We're excited to help you take this important step and look forward to having you as part of the Heritage Family!

Business Banking & Commercial Services

Business Loans That Fuel 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.

Streamlined Merchant Services

Imagine running your business without worrying about payment processing. Our merchant services simplify transactions so you can focus on what matters most serving your customers. From credit card processing to mobile payment options, we provide the tools that help businesses operate smoothly and efficiently. Located at 67 Washington St Fair Haven Vt 05743, Fair Haven, VT 05743, we invite local business owners to explore how Heritage Family can support your financial journey. Reach out at (888) 252-8932 to learn more about our offerings!

Comprehensive List Of Services

Business Banking Services

For local businesses, we offer specialized services like merchant services and business loans designed to support growth and success. We know how important it is for entrepreneurs to have the right financial tools at their disposal.

Convenient Transactions

Our branch features basic drive-thru banking, making it easy for members on the go to complete simple transactions like deposits and withdrawals without leaving their vehicles. If you prefer using an ATM, we provide basic access for withdrawals and balance checks whenever necessary. As part of our commitment to convenience, we also offer features like electronic statements and mobile payments so that managing your finances is as hassle-free as possible. For more information about any of these services or to speak with one of our representatives, please call us at 888-252-8932. At Heritage Family, we're here to make your banking experience enjoyable and fulfilling. Visit us today or explore our website at hfcuvt.com to learn more about how we can assist you on your financial journey!

Financing Options

If you're considering purchasing a vehicle or refinancing your home, we have you covered with competitive auto loans and vehicle financing options. Our friendly staff will guide you through the process to ensure that you find a plan that works for your budget. For those looking into real estate, our mortgage loans and refinancing services are tailored to help make homeownership a reality.

Personal Banking Solutions

Managing your finances should be straightforward and convenient. That's why we offer various personal banking options such as checking and savings accounts designed for easy access and flexibility. Imagine being able to check your balance or transfer funds right from your phone with our online and mobile banking services. Plus, our ATM availability means you can withdraw cash anytime you need it, making it easier than ever to manage your money.

Personal Loans and Credit Cards

We understand that life can throw unexpected expenses your way. That's where our personal loans and debt consolidation options come in handy helping you tackle those costs without stress. Additionally, our credit cards with rewards provide benefits for everyday purchases, allowing you to earn while you spend.

Digital & Online Banking

Key Features

Security is a top priority for us at Heritage Family. We offer electronic signature authorization, so you can sign documents securely without the need for paper forms. You can also opt for e-statements, which provide an eco-friendly way to keep track of your finances while enhancing your privacy. Want to make payments on the fly? Our mobile payments feature lets you easily complete transactions right from your phone. And while we currently do not support person-to-person transfers, we are always working on improving our services to better meet your needs. Whether you're checking your balance or making a payment, our online banking services provide real-time account management right at your fingertips. Join us at Heritage Family to enjoy a simple and secure digital banking experience that puts you in control of your finances!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 96,680, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $2,515,529. 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 67 Washington St Fair Haven Vt 05743 or call (888) 252-8932 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Member-Centric Savings

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 $952,065 reflects our operational efficiency, 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 Financial Health

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, with over $139,518,542 in used vehicle loans and $11,345,175 in new vehicle loans already helping members get on the road. We provide flexible terms that can fit your budget, making it easier than ever to drive home in a car you love.

Commercial Loans

For business owners, our outstanding commercial loans totaling $81,631,494 provide the capital needed to grow and expand. We understand the challenges that come with running a business and are dedicated to supporting our local economy by offering tailored financing solutions.

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 rewards and no annual fees, giving you more ways to save while enjoying the convenience of cashless transactions.

Eligibility and Refinancing Options

If you're interested in any of our loan products but unsure about eligibility or refinancing options, we're here to help! You can reach out to us directly at (888) 252-8932, or visit our website for more information on how you can benefit from our offerings. Remember that performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Heritage Family located at 67 Washington St Fair Haven Vt 05743, we are committed to helping you succeed financially. Reach out today to see how we can assist you!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Property loans totaling $45,024,960. Whether you're purchasing your first home or refinancing an existing mortgage, our team is here to guide you through each step of the process.

Loan Aggregator

Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to accuracy ensures that users receive fair and transparent offers tailored to their financial needs.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that they are comparing genuine rates and terms. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Each comparison reflects actual market conditions without hidden agendas. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions empower users to make informed decisions quickly. This feature is crucial in a fast-moving financial environment where rates can change frequently. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the tool's effectiveness and reliability. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

HERITAGE FAMILY FEDERAL CREDIT UNION - Fair Haven, VT

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