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

Introduction

Welcome to Heritage Family Credit Union, where your financial well-being is our top priority! Located at 30 Allen St, Rutland, VT 05701, we have been serving our community since 1956. With a proud membership of over 50,741 individuals, we strive to create a welcoming environment that fosters trust and support. At Heritage Family, we understand that each member has unique financial needs. That's why we offer a wide range of services, including personal banking options like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our total assets of $773,424,965 and total deposits of $44,811,579 reflect our commitment to providing you with secure and reliable financial solutions. Led by our dedicated CEO, Chris Gomez, and Board President Gwen Flewelling, our team of 187 employees is here to assist you from Monday to Friday, 9:00 a.m. to 5:00 p.m., and Saturdays from 9:00 a.m. to 12:00 p.m. Whether you visit us in person or reach out via phone at 802-775-4930, we're always ready to help you navigate your financial journey. While members can visit us at our Rutland branch for all their banking needs, official correspondence should be directed to the same address: 30 Allen Street, Rutland, VT 5701. Join us as we continue to make a positive impact in the lives of our members and the community at large. Explore more about what we offer on our website at heritagefamilycu.com. Come see how Heritage Family Credit Union can help you thrive financially!

Branch History & Mission

Commitment to Innovation

In an ever-changing world, we embrace technology to make banking easier for you. Our online banking platform allows for seamless transactions at your fingertips. We also offer mobile payment options and e-statements to keep your finances organized and accessible. Our drive-thru service ensures that even busy schedules can accommodate quick banking needs. While members can visit us at 30 Allen St for all their banking needs, official correspondence should be sent to 30 Allen Street, Rutland, VT 5701 if different from our branch address.

Join Us

As we look ahead, Heritage Family remains committed to serving you with integrity and dedication. If you're seeking a credit union that genuinely cares about its members and community impact, consider joining us today! Visit our website here for more information on membership eligibility or click here to open an account now. Together, let's build a brighter financial future!

Our Mission

Our mission at Heritage Family is simple yet profound: to provide accessible financial services while enhancing the well-being of our community. We strive to empower individuals by offering tailored financial products that meet their unique needs. Whether it's helping you secure an auto loan or guiding you through your first home purchase, we are here every step of the way. We understand that banking is not just about numbers; it's about people. That's why we prioritize exceptional customer service and community involvement. From sponsoring local events to partnering with schools and charities, we actively contribute to the vibrancy of Rutland and its surroundings.

Branch Location & Accessibility

Convenient Access and Features

At Heritage Family, we understand that accessibility is key. Our branch is designed with features that accommodate everyone, including ADA-compliant entrances and parking spaces. If you're driving by, you'll appreciate the ample parking available right outside our doors. For those who prefer not to enter the building, we offer convenient drive-thru banking services for quick deposits and withdrawals.

Operating Hours

We know your time is valuable! That's why we're here to serve you Monday through Friday from 9:00 a.m. to 5:00 p.m., and on Saturday from 9:00 a.m. to 12:00 p.m. Whether you're stopping by for personal banking or need assistance with loans or credit cards, our friendly staff is ready to help during these hours.

Services Available

Heritage Family offers a wide range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards everything you need is under one roof. We also provide online and mobile banking options so you can manage your finances on the go. If you have any questions or need assistance, don't hesitate to reach out! Give us a call at 802-775-4930 or drop by our branch today we'd love to assist you with all your banking needs!

Member Eligibility

At Heritage Family, we believe that becoming a member is more than just opening an account; it's about joining a community that supports you and your financial goals. If you're looking to become part of our family, eligibility is simple and welcoming. Generally, anyone who lives, works, worships, or attends school in Rutland County can join us. This means whether you're a local resident or just passing through for work or study, there's a place for you here! You can learn more about the specific eligibility criteria by visiting our eligibility page, where you'll find all the details to ensure you meet the requirements. Opening an account with us is easy and can be done online. Just visit our account opening page to get started. Our friendly team is always ready to help if you have any questions feel free to call us at 802-775-4930. We're excited to welcome you to Heritage Family at 30 Allen St, Rutland, VT 05701, where your journey toward better banking begins!

Business Banking & Commercial Services

At Heritage Family, we understand that running a business is no small feat. Whether you're just starting out or looking to expand, having the right financial partner can make all the difference. 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. In addition to loans, our merchant services are designed to simplify your operations. Imagine being able to accept payments easily and securely whether in-person or online allowing you more time to focus on what you do best: running your business. Visit us at 30 Allen St Rutland Vt 05701 in Rutland, VT, or call us at (802) 775-4930 to learn how we can support your business journey today!

Comprehensive List Of Services

Accessibility

We understand that convenience is key. That's why we offer basic ATM access for balance checks and cash withdrawals alongside drive-thru banking options during our operating hours: Monday to Friday from 9:00 a.m. to 5:00 p.m., and Saturday from 9:00 a.m. to 12:00 p.m. At Heritage Family, we're not just about transactions; we're about building relationships with our members. Our dedicated team is here to assist you with any questions or concerns you may have along the way. Ready to explore how we can help you achieve your financial goals? Give us a call at (802) 775-4930 or visit us in person at 30 Allen St Rutland Vt 05701. We look forward to serving you!

Business Banking

If you're a business owner, our business banking services are here to support you. From merchant services to business loans, we have the tools you need to grow your enterprise. Our team is ready to help navigate your financial journey with customized solutions that align with your goals.

Digital Convenience

In today's fast-paced world, digital banking features are essential. With Branch Office, you can manage your accounts anytime through online banking or our mobile app. Check balances, make transfers, and pay bills all at your fingertips! Our ATM services provide easy access to cash when you need it most, while our drive-thru banking offers quick service for deposits, withdrawals, and simple transactions.

Loans and Credit Options

Life can bring unexpected expenses, and that's where our personal loans and debt consolidation services come into play. We understand that everyone needs a little help now and then, so we provide straightforward lending solutions that allow you to take control of your finances. Plus, our credit cards come with rewards that let you earn while you spend perfect for those who enjoy benefits from their purchases.

Personal Banking

Our personal banking services include checking and savings accounts designed for everyday needs. Whether you're saving for a vacation or managing daily expenses, our accounts offer competitive interest rates and low fees. Need to purchase a new car? Our auto loans and vehicle financing options are flexible and affordable, helping you hit the road without breaking the bank. If homeownership is your goal, consider our mortgage loans and refinancing options, which come with competitive rates and personalized assistance throughout the process.

Digital & Online Banking

At Heritage Family, we understand that banking should fit into your life, not the other way around. That's why our digital and online banking services are designed for your convenience and security. Whether you're at home or on the go, managing your finances is just a click away. Our online banking platform, accessible at https://www.hfcuvt.com/, provides you with 24/7 access to your accounts. You can check balances, pay bills, and transfer funds anytime you need to. Plus, with features like electronic signature authorization, signing documents has never been easier or more secure. If you prefer to bank on your mobile device, our dedicated mobile application makes it simple to stay connected to your accounts. With mobile payments enabled, you can make purchases directly from your phone without any hassle. You'll also appreciate the option of e-statements; they provide a quick and eco-friendly way to view your account statements without waiting for paper copies in the mail. While we currently do not offer person-to-person transfers, our online banking services cover all the essentials for everyday banking needs. You can easily manage your finances in real-time, ensuring you always know where you stand financially. At Heritage Family, we prioritize both accessibility and ease-of-use in all our digital offerings. Our commitment to security means that you can bank confidently knowing that your personal information is protected. Experience banking that works for you visit us online today!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts stand strong at 96,680, showing a robust and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $2,515,529, reinforcing our commitment to supporting your financial journey. 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 30 Allen St Rutland Vt 05701 or call (802) 775-4930 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 $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.

Reinvesting in Your Future

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 and options for refinancing to fit your needs.

Business Loans

For business owners looking to expand or improve operations, we have outstanding commercial loans totaling $81,631,494. These funds can provide the capital needed to grow your business successfully. Our commitment to helping our members extends beyond just lending; we prioritize understanding your unique financial situation to provide personalized solutions. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. To learn more about our loan offerings or eligibility options, visit our website at http://www.hfcuvt.com or come see us in person! We're here to support you every step of the way.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. With Junior Lien 1-4 Family Residential Properties loans totaling $45,024,960, we are committed to making home financing accessible and straightforward.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $25,830,980 in loans available, our credit cards help members manage their finances effectively while providing rewards and benefits that suit your lifestyle.

Loan Aggregator

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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 commitment to sourcing ensures that users receive fair and transparent offers. Each loan listing reflects current market conditions, allowing users to see the most accurate rates available.

HERITAGE FAMILY FEDERAL CREDIT UNION - Rutland, VT

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