HERITAGE FAMILY FEDERAL CREDIT UNION

Welcome to Heritage Family, your trusted credit union located at 26 Allen St, Rutland, VT 05701. Established in 1956, we have proudly served our community for over six decades, providing financial services that meet the unique needs of our members. With a total membership of 50,741, we're not just a financial institution; we're a family dedicated to helping you achieve your financial goals. At Heritage Family, we understand that each member has different aspirations and challenges. That's why we offer a range of products and services designed with you in mind. Our total assets amount to an impressive $773,424,965, reflecting our solid financial standing and commitment to your success. With $44,811,579 in total deposits and a net worth of $88,385,341, you can trust that your money is safe with us. Our team is led by CEO Chris Gomez and Board President Gwen Flewelling, both of whom are deeply committed to fostering a supportive environment for our members. Together with our dedicated staff of 187 employees, we strive to create a welcoming atmosphere where every member feels valued. While members can visit us at our branch on Allen Street, official correspondence should be sent to the same address: 26 Allen St, Rutland, VT 5701. We invite you to reach out with any questions or concerns at 802-775-4930 during our operating hours: Monday through Friday from 8:00 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM. Join us today at Heritage Family and discover how we can assist you in navigating your financial journey. Visit our website at hfcuvt.com for more information or to open an account online. Together, let's build a brighter financial future!

At Heritage Family, we believe that everyone deserves a place in our community. Becoming a member is simple and welcoming! If you live, work, or worship in Rutland County, or if you have family members who are already part of our credit union, you're eligible to join us. We're here to support you with personalized financial services and a friendly environment where your needs come first. Once you're part of the Heritage Family, you'll enjoy benefits like lower loan rates and higher savings dividends. To learn more about the specific eligibility criteria, feel free to visit our website at http://www.hfcuvt.com/join/become-a-member.html . When you're ready to open an account, you can easily do so online by visiting https://ebranch.hfcuvt.com/registration . If you have any questions or need assistance, don't hesitate to call us at 802-775-4930. We're excited to welcome you into our family!

At Heritage Family, we understand that managing your finances should be easy and secure. That's why we offer a range of digital and online banking services designed to fit your busy lifestyle. With our user-friendly platform, you can access your accounts anytime, anywhere, ensuring that you are always in control of your money. One of the standout features of our online banking is the ability to manage your accounts with just a few clicks. Visit us at https://www.hfcuvt.com/ to experience the convenience firsthand. You can view balances, transfer funds, and even pay bills without having to step foot in a branch. Plus, with our 24/7 online banking services, you have access to your financial information whenever you need it. We prioritize your security while you bank online. Our electronic signature authorization system makes it safe and easy to sign documents digitally, eliminating the hassle of paperwork. For those who prefer paperless options, e-statements are readily available, providing an eco-friendly way to keep track of your transactions. If you're on the go, our mobile application brings banking right to your fingertips. You can make mobile payments effortlessly and enjoy real-time updates about your account activity. Although person-to-person transfers aren't currently offered, we're committed to enhancing our services continuously based on member feedback. With Heritage Family, you can be confident that managing your finances will be straightforward and secure, allowing you more time to focus on what really matters in life. Whether you're at home or out and about, our digital banking tools are here to support you every step of the way!

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 are committed to providing a strong foundation for your financial needs. 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 1142 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. 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 is robust as shown by the $9,571 in used auto loans and a total of $544,411,382 in loans and leases supporting our members' financial goals across various sectors. Our operational efficiency is reflected in our net income of $0, 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 and committed team. Net Shares (Funds available for lending and investments): $2,515,529. Total Share and Deposit Accounts: 96,680, showing a strong and growing member base that trusts us with their finances. 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 26 Allen St Rutland Vt 05701 or call 802-775-4930 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.