Heritage Family Credit Union Ludlow VT | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to Heritage Family, your trusted credit union located at 198 Main St, Ludlow, VT 05149. Established in 1956, we have proudly served our community for over six decades, building a reputation for reliability and member-focused service. With a total membership of 50,741 individuals, we understand the financial needs of our community and are dedicated to helping you achieve your goals. At Heritage Family, we believe in empowering our members through accessible financial services. With total assets reaching an impressive $773,424,965, we have the strength and stability to support you in every step of your financial journey. Our offerings include personal banking solutions such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards that make managing your finances easier and more rewarding. Our commitment goes beyond just numbers; it's about people. Under the leadership of CEO Chris Gomez and Board President Gwen Flewelling, our team of 187 employees is here to ensure you receive personalized service tailored to your unique needs. We pride ourselves on being part of the Ludlow community, providing not only financial products but also contributing positively to local initiatives. While members can visit us at 198 Main St, official correspondence should be sent to the same address. If you have any questions or need assistance, don't hesitate to reach out at 888-252-8932. We invite you to explore our website at Heritage Family Credit Union for more information about our services and how we can help you thrive financially. Join us today and experience the difference that comes from being part of a community-focused credit union!

Branch History & Mission

Community Commitment

At Heritage Family, we go beyond just providing financial services. We engage in various outreach efforts to support local initiatives and foster connections within the community. This includes partnerships with schools and organizations dedicated to improving lives in our area. Our drive-thru banking service and ATM availability make it convenient for members to access their accounts whenever needed. As part of our commitment to innovation, we have embraced digital advancements such as online banking and mobile payments. These tools provide our members with flexibility and ease in managing their finances while ensuring ADA compliance for all users.

Join Us

While you can visit us at our branch location for all your banking needs during our operating hours Monday through Friday from 9:00 AM to 5:00 PM official correspondence should be sent to the same address as our branch location. We invite you to become part of the Heritage Family community! Experience firsthand how we can help you achieve your financial dreams while contributing positively to Ludlow's growth. To learn more about membership or open an account today, visit our website or call us at 888-252-8932. Together, let's build a brighter future!

Our Journey

Since our inception, Heritage Family has focused on building strong relationships with our members. Over the years, we've expanded our services to include personal banking, auto loans, mortgage options, and business banking solutions. With total assets reaching an impressive $773,424,965 and a membership base that continues to grow, we pride ourselves on being a trusted financial partner. Our mission is simple yet powerful: to empower our members through exceptional financial services while actively supporting the local community. We believe that by helping individuals achieve their financial goals, we contribute to the overall prosperity of Ludlow and surrounding areas.

Branch Location & Accessibility

Convenient Access and Parking

At Heritage Family, we understand that accessibility matters. Our branch is designed with your convenience in mind, featuring ample parking space and ADA-compliant access points, ensuring everyone can visit us with ease. If you prefer not to park, take advantage of our drive-thru service for quick transactions without leaving your vehicle.

Operating Hours that Fit Your Schedule

We're open Monday through Friday from 9:00 AM to 5:00 PM, making it easy for you to find a time that suits your busy schedule. Whether you're coming in for a simple deposit or looking for advice on financial products, our friendly staff is ready to assist you during these hours.

Services Tailored to Your Needs

Our branch offers a range of services designed to meet the diverse needs of our members. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, with our ATM available on-site, you can access your funds anytime. Feel free to use our drive-thru for deposits and withdrawals or come inside for personalized service. While members can visit us at 198 Main St, official correspondence should be sent to 198 Main St, Ludlow, VT 5149 if necessary. For any inquiries or assistance, don't hesitate to give us a call at 888-252-8932. We invite you to stop by and discover all that Heritage Family has to offer!

Member Eligibility

At Heritage Family, we're excited to welcome you into our community where your financial well-being is our top priority. Becoming a member is simple and inclusive! If you live, work, or worship in certain areas of Vermont, or if you're related to someone who is already a member, you're likely eligible to join us. We believe that everyone deserves access to personalized financial services and support, and by becoming a member of Heritage Family, you can enjoy benefits like competitive rates on loans and savings accounts, as well as exceptional customer service from our dedicated team. To find out more about the specific eligibility requirements, feel free to check out our detailed information at this link. If you're ready to take the next step, opening an account is just as easy! You can start the process online at this registration page. If you have any questions or need assistance, don't hesitate to reach out to us at 888-252-8932. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services That Make Transactions Easy

Imagine running your store and seamlessly accepting payments from customers without a hitch. Our merchant services ensure that you can focus on what you do best serving your customers. Whether it's credit card processing or mobile payment solutions, we provide tools that simplify transactions and enhance customer satisfaction. Located at 198 Main St Ludlow Vt 05149 in Ludlow, VT, we're here to help your business flourish. Contact us at (888) 252-8932 to learn how we can support your financial journey!

Tailored 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.

Comprehensive List Of Services

Convenient Access

In today's fast-paced world, convenience is key. That's why Heritage Family offers ATM access for quick cash withdrawals and balance checks anytime you need it. If you prefer face-to-face interactions, our branch features basic drive-thru banking for simple transactions like deposits and withdrawals.

Get Started Today!

Are you ready to experience all that Heritage Family has to offer? Our friendly team is available at 888-252-8932 during regular hours (Monday through Friday from 9:00 AM to 5:00 PM) to answer any questions or help you get started with an account. Visit us online at www.hfcuvt.com for more information about our services or to open an account today! Let us be part of your financial success story!

Personal Banking Solutions

We understand that managing finances can be challenging. That's why we offer personal banking options like checking and savings accounts tailored to fit various lifestyles. With easy access to your accounts through our online and mobile banking platforms, you can monitor your balance, make transfers, and pay bills right from your phone or computer. Plus, our credit cards come with rewards that make every purchase more rewarding! If you're considering purchasing a vehicle, our auto loans and vehicle financing solutions provide competitive rates and flexible terms that can help you hit the road without breaking the bank. We also offer mortgage loans and refinancing options, making home ownership more achievable.

Support for Your Financial Goals

Sometimes life throws unexpected expenses your way. Our personal loans and debt consolidation services aim to ease those burdens by offering low-interest options that make repayment manageable. For businesses in the area, we provide robust support with business banking services, including merchant services and business loans designed to fuel growth. Whether you're starting out or looking to expand, we're here to assist you every step of the way.

Digital & Online Banking

Convenient Transfers

While person-to-person transfers aren't available at this time, we still offer many ways to manage your funds effectively through our other services. At Heritage Family, we believe that banking should fit into your life seamlessly. With our comprehensive digital offerings, you can take control of your finances whenever you want while knowing that you're protected every step of the way. Join us today and experience banking made easy!

Go Green with E-Statements

No more paper clutter! Sign up for e-statements and receive your account statements electronically. This not only helps the environment but also allows you to access your statements on the go all while ensuring your information remains safe.

Mobile Banking on the Go

For members who prefer banking from their smartphones, our mobile application is perfect for you. With features like mobile payments, managing your accounts has never been simpler. Just download our app and enjoy the flexibility of handling transactions right from your pocket.

Online Banking Made Easy

With our 24/7 online banking services, you can access your accounts anytime, anywhere. Whether you need to check your balance, transfer funds, or pay bills, it's all just a click away at https://www.hfcuvt.com/ . Our user-friendly platform ensures that even those new to online banking can navigate with ease.

Security You Can Trust

Your financial security is paramount. We use advanced security measures to protect your personal information and transactions. Plus, with electronic signature authorization available, signing documents is not only secure but also quick and hassle-free.

Financial Strength

Committed Workforce

We take pride in having 185 full-time employees and 2 part-time employees who are always ready to serve you with knowledge and commitment. Our team is dedicated to helping you navigate your financial journey effectively.

Focused on Members

Unlike traditional banks, our resources are focused on benefiting you. With non-member deposits at $0, we ensure that our efforts remain directed towards providing you with better loan rates and exclusive perks.

Growing Membership Base

Our strength is also reflected in our community trust, with a total of 96,680 accounts showing a growing member base that chooses us as their trusted financial partner. 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 198 Main St Ludlow Vt 05149 or call (888) 252-8932 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

We prioritize your savings with $123,938,907 in share certificates and $51,973,159 in money market shares. These options provide stable and rewarding opportunities for financial growth, helping you achieve your savings goals while enjoying peace of mind.

Reinvestment in Growth

Our $87,871,778 in undivided earnings reflects our dedication to reinvesting in innovative banking tools and stronger lending options. This means enhanced security measures and better services tailored to meet your needs.

Strong Net Worth

With a net worth of $88,385,341, we maintain a solid foundation that allows us to offer better rates, lower fees, and enhanced services for our members. Our net worth ratio of $1,142 further demonstrates our commitment to financial strength, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

With $9,571 in used auto loans and $544,411,382 in total loans and leases, our lending capacity supports your financial goals across various sectors. Whether you're buying a car or looking for personal loans, we've got you covered.

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 also provide flexible financing options for both new and used vehicles to ensure you drive away happy.

Credit Lines and Business Loans

For those looking for additional credit options or business financing solutions, our total credit lines amount to $196,426,305, offering ample resources to meet various needs. Additionally, our outstanding commercial loans totaling $81,631,494 provide business owners with the capital needed to grow and expand their ventures. If you're interested in any of these loan products or want to explore refinancing options tailored for you, please reach out. You can visit us at our branch located at 198 Main St Ludlow Vt 05149, or give us a call at 888-252-8932. 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're here to assist you every step of the way!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $45,024,960, make buying or refinancing simple. We pride ourselves on guiding you through the mortgage process so you can focus on making your house a home.

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. This option provides convenience and flexibility for everyday purchases or unexpected expenses.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate 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 adherence to regulatory guidelines ensures that all loan offers are fair and transparent. By aggregating information from trusted lenders, LendMesh guarantees that users have access to accurate and up-to-date loan rates.

HERITAGE FAMILY FEDERAL CREDIT UNION