Heritage Family Credit Union Manchester Center VT | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Heritage Family, your trusted financial partner located at 11 Baker Farm Rd, Manchester Center, VT 05255. Established in 1956, our credit union has been dedicated to serving the community with integrity and care. As a member of our family, you join over 50,741 individuals who have chosen us for their banking needs. At Heritage Family, we take pride in our robust financial standing, boasting total assets of $773,424,965 and total deposits reaching $44,811,579. With a net worth of $88,385,341, we are committed to your financial well-being and growth. We offer a wide range of services including personal banking solutions like checking and savings accounts, auto loans, mortgage loans, and business banking options to support local entrepreneurs. Our leadership team is dedicated to enhancing your experience every step of the way. Under the guidance of CEO Chris Gomez and Board President Gwen Flewelling, we strive to create an environment where members feel valued and supported. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to our mailing address at 26 Allen St, Rutland, VT 5701. We invite you to explore how we can assist you in achieving your financial goals. Call us today at 802-362-9334 or check out our website at www.hfcuvt.com for more information on how to become a member or open an account. Your journey towards financial security starts here!

Branch History & Mission

Heritage Family has been a beacon of financial support and community service since it first opened its doors in 1956. Located at 11 Baker Farm Rd, Manchester Center, VT 05255, our branch has grown from humble beginnings into a thriving credit union that proudly serves over 50,741 members today. With total assets reaching an impressive $773,424,965, we are committed to providing exceptional financial services tailored to the needs of our members. The journey of Heritage Family is marked by significant milestones that reflect our dedication to growth and community involvement. From our inception, we have focused on delivering personalized banking experiences while adapting to the changing needs of our members. Our commitment to serving our community extends beyond traditional banking; we actively engage in outreach programs and partnerships that uplift and empower those around us. At the heart of Heritage Family's mission is a simple yet powerful statement: we strive to provide accessible financial solutions while fostering a strong sense of community. We believe that everyone deserves the opportunity to achieve their financial goals, whether it's through personal banking, auto loans, or business financing. Our services include checking and savings accounts, mortgages, credit cards with rewards, and much more all designed with our members' best interests in mind. While you can visit us at our branch address for your banking needs, please note that official correspondence should be sent to 26 Allen St, Rutland, VT 5701. We are proud to offer convenient services such as ATM access and drive-thru banking for quick transactions. Our operating hours are Monday through Friday from 9:00 AM to 5:00 PM, making it easy for you to connect with us whenever needed. As we look toward the future, Heritage Family remains dedicated to embracing technology while ensuring ADA compliance and enhancing customer experience. Our digital advancements allow members to manage their finances through online banking and mobile apps seamlessly. We invite you to join the Heritage Family community! Experience the benefits of being part of a credit union that not only cares about your financial success but also invests in the well-being of the entire community. Together, let's build a brighter financial future! For more information on membership or to open an account, please visit our website or call us at 802-362-9334.

Branch Location & Accessibility

Welcome to Heritage Family, your friendly neighborhood credit union located at 11 Baker Farm Rd in beautiful Manchester Center, VT. We're proud to serve the vibrant community of Bennington County with a range of financial services designed to meet your needs. Whether you're stopping by for a quick transaction or seeking assistance with loans, our branch is easily accessible and conveniently situated near popular landmarks, making it simple for you to visit us. While members can visit us at our main location, any official correspondence should be sent to our mailing address at 26 Allen St, Rutland, VT 5701. Our branch features ample parking and is equipped with ADA-compliant facilities, ensuring that everyone can access our services comfortably. We invite you to come in during our lobby hours from Monday to Friday, where we're open from 9:00 AM to 5:00 PM. If you prefer, we also offer a drive-thru banking option for quick and easy transactions without leaving your vehicle. Plus, our ATM is available for your convenience whenever you need cash or want to check your balance. At Heritage Family, we provide a range of personal banking services including checking and savings accounts, auto loans, mortgage options, and much more. Our knowledgeable staff is here to assist you with all your financial needs. If you have any questions or need assistance, don't hesitate to give us a call at 802-362-9334. We look forward to welcoming you soon!

Member Eligibility

Becoming a member of Heritage Family is like joining a welcoming family that truly cares about your financial well-being. If you live, work, or attend school in certain areas of Vermont, you're likely eligible to join us! We aim to create an inclusive environment where everyone can thrive, and we offer a range of benefits such as personalized service, competitive rates on loans, and convenient banking options tailored just for you. If you're curious about the specific eligibility requirements, feel free to check out more details at http://www.hfcuvt.com/join/become-a-member.html. It's simple to take the next step; you can open your account online by visiting https://ebranch.hfcuvt.com/registration, or give us a call at (802) 362-9334 if you have any questions. We're excited to welcome you into our community at Heritage Family, located at 11 Baker Farm Rd Manchester Center Vt 05255!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer robust merchant services that simplify transactions for your business. Imagine accepting payments swiftly, whether it's through card readers at your retail location or online payment gateways for e-commerce. These tools not only streamline operations but also enhance customer satisfaction by making payment processes easy and efficient. Visit us at 11 Baker Farm Rd, Manchester Center, VT 05255, or call us at 802-362-9334 to learn how Heritage Family can be a partner in your business success!

Supporting Your 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

Additional Services

Our branch also features basic drive-thru banking for quick deposits and withdrawals, making it easier than ever to handle simple transactions without leaving your car. We invite you to explore all that Heritage Family has to offer. For more information about our services or how to become a member, please call us at 802-362-9334 or visit us online at www.hfcuvt.com. Let us help you take the next step toward achieving your financial dreams!

Business Banking Solutions

For our business members, we offer comprehensive business banking services, including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we provide support tailored specifically for businesses like yours.

Digital Banking Convenience

In today's fast-paced world, convenience is key. At Heritage Family, we prioritize your accessibility with our robust online and mobile banking platforms. Manage your accounts anytime and anywhere with features like ATM access for cash withdrawals and balance checks, ensuring you have what you need at your fingertips.

Home Financing

Dreaming of owning a home? We provide mortgage loans and refinancing solutions that fit your budget. Whether you're buying your first home or refinancing an existing mortgage, our team will guide you through every step of the process.

Loans for All Needs

If you're facing unexpected expenses or looking to consolidate debt, our personal loans are here to help. We also offer credit cards with rewards, giving you more than just a way to pay it's an opportunity to earn benefits on everyday purchases.

Personal Banking

We understand that managing your finances can be a challenge. That's why we offer various personal banking options designed to simplify your life. Our checking and savings accounts allow you to manage your day-to-day expenses while saving for those special moments. Need a car? Our auto loans and vehicle financing options make it simple to drive away in the vehicle you've always wanted.

Digital & Online Banking

Go Paperless with E-Statements

Say goodbye to paper clutter! With our e-statements available, you can receive your account statements electronically. This not only helps the environment but also makes it easier for you to keep track of your finances. Plus, accessing past statements is just a click away!

Mobile Convenience at Your Fingertips

Our mobile application offers even more flexibility. You can enjoy features like mobile payments, making transactions as easy as tapping your phone. If you're looking to send money quickly to friends or family, our person-to-person transfer feature ensures that you can do so effortlessly although please note this service isn't available yet.

Online Banking Made Easy

With our 24/7 online banking services, you can access your accounts anytime, anywhere. Just visit https://www.hfcuvt.com/ to log in and view your balances, pay bills, transfer funds, and more all from the comfort of your own home or while you're out running errands. We prioritize your security, so rest assured that your personal information is protected with top-notch encryption.

Signing Made Simple

Need to sign documents? Our electronic signature authorization lets you complete necessary paperwork without needing to print anything out. It's fast, efficient, and perfect for those busy days when you're on the go. At Heritage Family, we are committed to providing services that enhance your banking experience while ensuring you have control over your finances whenever you need it. Join us today and take advantage of all these amazing digital banking features!

Financial Strength

Commitment to 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 commitment is reflected in our lending capacity; with $9,571 in used auto loans and $544,411,382 in total loans and leases, we support our members' financial goals across various sectors.

Growing Member Trust

Total Share and Deposit Accounts stand at 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 11 Baker Farm Rd Manchester Center Vt 05255 or call (802) 362-9334 to learn more about how we can help you achieve your financial goals.

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.

Secure 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.

Strong Financial Position

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 and competitive interest rates that make it easier for you to drive away in the vehicle you want.

Business Financing

For business owners, our outstanding commercial loans totaling $81,631,494 provide the capital needed to grow and expand. Whether you need funds for equipment purchases or operational expenses, we're here to support your business ambitions. At Heritage Family, we pride ourselves on providing clear information about our loan offerings and eligibility requirements. If you're considering refinancing or would like to learn more about how our loan products can work for you, please don't hesitate to reach out. You can contact us at 802-362-9334 or visit us at 11 Baker Farm Rd Manchester Center VT 05255. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you find the right financial solution today!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $45,024,960, making buying or refinancing simple. Our team is here to guide you through each step of the process and ensure you find a mortgage solution that fits your budget.

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 various benefits that can help you earn rewards while keeping your spending manageable.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring 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 adherence to regulatory standards ensures that users receive fair and transparent offers. Each loan comparison reflects current market conditions, giving users confidence in their choices.

HERITAGE FAMILY FEDERAL CREDIT UNION - Manchester Center, VT

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