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

Introduction

At Heritage Family, we believe that financial services should feel personal and community-oriented. Located at 50 West St, Rutland, VT 05701, our branch has been serving members since 1956 with a commitment to your financial well-being. With over 50,741 members, we are more than just a credit union; we are a trusted partner in your journey towards financial success. As of now, our total assets stand at an impressive $773,424,965, demonstrating our stability and strength. We take pride in offering diverse services tailored to meet the needs of our community, including personal banking, auto loans, mortgage refinancing, and business banking solutions. Our total deposits amount to $44,811,579, reflecting the trust our members place in us. Under the leadership of CEO Chris Gomez and Board President Gwen Flewelling, our dedicated team of 187 employees works diligently to ensure you receive the best service possible. We also maintain a solid net worth of $88,385,341 and have cash readily available at $3,936,359 for our members' needs. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be directed to 26 Allen St, Rutland, VT 5701. We're here for you Monday through Friday from 9:00 a.m. to 5:00 p.m., and Saturday from 9:00 a.m. to 12:00 p.m., making it convenient for you to access the services you require. We invite you to explore how we can support your financial goals today! Whether you're looking for a new loan or simply want to learn more about managing your finances better, don't hesitate to call us at 888-252-8932 or visit our website at www.hfcuvt.com. Your future is brighter with Heritage Family!

Branch History & Mission

At Heritage Family, we take pride in our rich history and unwavering mission to support the community in Rutland, VT. Founded in 1956, our branch has grown alongside its members, serving as a trusted financial partner for nearly seven decades. Located at 50 West St, Rutland, VT 05701, we are easily accessible for all your banking needs. Whether you are visiting us for personal banking or exploring loan options, our dedicated team is here to assist you. Our evolution over the years reflects our commitment to providing quality financial services while fostering a strong sense of community. Today, we proudly serve over 50,741 members with total assets exceeding $773 million. This growth is not just about numbers; it's about building relationships and trust within the community. Our members are at the heart of everything we do. Heritage Family's mission is simple yet impactful: to empower our members by providing exceptional financial services that enhance their lives and contribute positively to the communities we serve. We believe that everyone deserves access to financial education and support. Our services include personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. We also offer business banking solutions that help local businesses thrive. In addition to traditional banking services, we are committed to embracing digital advancements that make banking easier and more accessible. Our online and mobile banking platforms ensure that our members can manage their finances anytime and anywhere. We prioritize accessibility as well; our facilities are ADA compliant, ensuring everyone can access our services comfortably. While members can visit us at 50 West St, official correspondence should be sent to 26 Allen St, Rutland, VT 5701. We're open Monday through Friday from 9:00 a.m. to 5:00 p.m., with Saturday hours from 9:00 a.m. to 12:00 p.m., making it convenient for you to reach us. Community outreach is vital to who we are at Heritage Family. We actively participate in local events and partner with organizations that promote financial literacy and social welfare. By supporting local initiatives, we hope to uplift our community and foster an environment where everyone can succeed. If you're looking for a credit union that truly cares about its members and the community, look no further than Heritage Family. Join us today and experience the benefits of being part of a family-oriented financial institution dedicated to your success! For more information on how you can become a member or explore our offerings, visit our website or call us at 888-252-8932.

Branch Location & Accessibility

Connect With Us

Feel free to reach out to us at 888-252-8932 if you have any questions or need assistance before your visit. Our team is dedicated to providing exceptional service and support. Come see us today at Heritage Family your local credit union committed to helping you achieve your financial goals!

Operating Hours

We're here for you during convenient hours: from Monday to Friday, our lobby is open from 9:00 a.m. to 5:00 p.m., and on Saturday, you can utilize our drive-thru service from 9:00 a.m. to 12:00 p.m. Whether you're stopping by for a quick transaction or need assistance with your accounts, we're ready to help!

Parking and Accessibility

Our branch is designed with accessibility in mind. You'll find ample parking available right outside the entrance, making it easy for everyone to visit us. The facility is ADA compliant, featuring ramps and accessible entrances to ensure all our members can enjoy their banking experience without hassle.

Services Offered

At Heritage Family, we provide a variety of services tailored to meet your financial needs. Whether you're interested in checking and savings accounts, auto loans, mortgage options, or credit cards with rewards, we've got you covered. You can also take advantage of our drive-thru banking for simple transactions and ATM access for quick cash withdrawals or balance checks.

Member Eligibility

At Heritage Family, we believe that being part of our community is a privilege, and we'd love to welcome you as a member! If you're looking to join us at our Rutland branch located at 50 West St, Rutland, VT 05701, you'll be pleased to know that becoming a member is easy. We're dedicated to serving anyone who lives, works, worships, or attends school in our local area. Plus, if you have family members already with us, you're eligible too! This means that whether you're just starting out or are looking for a supportive financial partner, we've got you covered. For more detailed information on eligibility criteria, feel free to visit our website at http://www.hfcuvt.com/join/become-a-member.html. Once you confirm your eligibility, opening an account with us is just a few clicks away! You can start the process online by visiting https://ebranch.hfcuvt.com/registration. If you have any questions or need assistance along the way, don't hesitate to reach out to us at 888-252-8932. Join the Heritage Family today and experience the benefits of being part of a community-focused financial institution!

Business Banking & Commercial Services

Commercial Loan Offerings

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

In addition to loans, we offer merchant services that simplify transactions for your business. Whether you need a reliable point-of-sale system or online payment processing, our solutions make it easier for your customers to pay you. This means more time focusing on what you do best running your business. Located at 50 West St Rutland Vt 05701 in Rutland, VT, our team is here to provide personalized service that fits your business goals. Reach out today at (888) 252-8932 and discover how we can support your success!

Comprehensive List Of Services

Business Banking Services

For our business members, we offer comprehensive support through business banking services. From merchant services that streamline transactions to accessible business loans, we aim to empower local businesses in Rutland and beyond.

Convenient Access

We know convenience matters. That's why we have an ATM on-site for quick cash withdrawals and balance checks. Our drive-thru banking makes it easy to complete deposits and withdrawals without leaving your vehicle.

Credit Cards and Rewards

With our credit cards, you not only gain purchasing power but also earn rewards on everyday spending. It's like getting paid for shopping! Imagine using your card for groceries, gas, or dining out, all while accumulating points that can lead to exciting rewards.

Digital Banking Features

In today's fast-paced world, having the ability to manage your finances online is crucial. With our robust online banking system, you can check balances, transfer funds, and pay bills anytime from anywhere. Plus, with features like mobile payments, keeping track of your finances has never been easier. Whether you're at home or on the go, Heritage Family ensures that managing your money is as hassle-free as possible. If you have questions or would like more information about any of our services, feel free to reach out at 888-252-8932 or visit us online at www.hfcuvt.com. We look forward to helping you achieve your financial goals!

Personal Banking Solutions

We understand that managing finances can be overwhelming at times. That's why we offer personal banking services tailored just for you. Open a checking or savings account with us and enjoy easy access to your funds through our user-friendly online and mobile banking platforms. If you're in the market for a new vehicle, our auto loans and vehicle financing options make purchasing your dream car simple and straightforward. Thinking about buying a home? Our mortgage loans and refinancing solutions are designed to help you navigate the housing market with ease. And if you need extra funds for unexpected expenses or debt consolidation, our personal loans provide flexible options to meet your needs.

Digital & Online Banking

Accessibility and Security

Your security is our top priority. Our online banking system is designed with robust security measures to protect your personal information. You can feel confident knowing that your data is safe while enjoying the convenience of managing your finances digitally. In summary, Heritage Family offers a comprehensive suite of digital banking services that cater to your lifestyle. Enjoy the freedom and peace of mind that comes with real-time account management through our user-friendly online banking platform and mobile app. For more information or to get started today, visit us at https://www.hfcuvt.com/!

Key Features

One of the standout features of our service is the availability of e-statements. By opting for e-statements, you can receive your account statements electronically, helping you reduce paper clutter while keeping your information secure. We also support electronic signature authorization, making it easier to sign documents without needing to visit a branch. If you're always on the move, you'll appreciate our mobile payments feature. This allows you to make purchases directly from your phone with ease. Whether you're grabbing coffee or shopping for groceries, you can pay quickly and securely. For those moments when you need to send money to friends or family, our person-to-person transfer option simplifies this process. Unfortunately, this feature isn't available right now; however, we're always looking for ways to enhance our services.

Financial Strength

At Heritage Family, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We want to assure you that our strong financial foundation allows us to provide exceptional services and support to our community. With a net worth of $88,385,341, we maintain robust financial health, enabling 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. 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. Our commitment to reinvesting in our community is evident with $87,871,778 in undivided earnings. This allows us to enhance innovative banking tools, strengthen lending options, and improve security measures for your peace of mind. Additionally, with $9,571 in used auto loans and $544,411,382 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is reflected in our $952,065, allowing us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 185 full-time employees and 2 part-time employees who are always ready to assist you with knowledgeable service. The strength of our member base is highlighted by the 96,680 accounts we manage. Each account represents trust from individuals like you who choose Heritage Family for their financial needs. 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 50 West St Rutland Vt 05701 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.*

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. Whether you're interested in a brand-new model or a reliable used vehicle, our financing options make it easier than ever to drive away happy.

Business Loans

For business owners looking for support to grow their operations, our outstanding commercial loans totaling $81,631,494 provide the capital needed to expand. We understand the unique challenges businesses face and strive to offer solutions tailored to meet those needs. At Heritage Family located at 50 West St Rutland Vt 05701, we're committed to providing exceptional service and comprehensive financial solutions. If you have questions about any of our loan offerings or would like to discuss refinancing options further, please don't hesitate to call us at 888-252-8932. All 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 on your financial journey!

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 offer competitive rates and flexible terms designed to fit your budget and lifestyle. If you're considering refinancing your current mortgage, we can help guide you through the eligibility options available.

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. These cards come with no collateral requirements and are perfect for unexpected expenses or everyday purchases.

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 regulatory compliance guarantees that users receive fair and transparent offers.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how effective LendMesh is in delivering valuable insights. 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 - Rutland, VT

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