Heritage Family Credit Union Rutland VT

Introduction

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!

Branch History & Mission

Join Us

As we continue to grow and serve our members better each day, we invite you to join Heritage Family. Experience firsthand the benefits of being part of a credit union that truly cares about your financial well-being and the prosperity of our community. For more information on becoming a member or to open an account today, visit us online at Heritage Family or call us at 802-775-4930. Together, let's build a brighter future!

Our Journey

From the day we opened our doors, our mission has been clear: to provide exceptional financial services while supporting our community. We have evolved through the years by adapting to the needs of our members. Today, we offer a wide range of products including auto loans, savings accounts, and home mortgages, ensuring that we meet the diverse financial needs of everyone in our community. Our commitment extends beyond banking. We believe in giving back to Rutland through various outreach programs and partnerships with local organizations. Whether it's sponsoring community events or providing educational resources about financial literacy, we aim to make a positive impact.

Our Mission

Heritage Family's mission is simple yet powerful: to empower our members by providing accessible financial solutions that promote stability and growth. We prioritize customer service and strive to create an environment where every member feels valued and supported. By embracing technology and innovation, we've made banking more convenient than ever before with online banking options available for all members. While you can visit us at our branch on Allen Street during our operating hours Monday to Friday from 8:00 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM please note that official correspondence should be sent to the same address as listed above since there is no different mailing address.

Branch Location & Accessibility

Convenient Access and Features

At Heritage Family, we prioritize your convenience. Our parking lot offers ample space for easy access, and we are committed to being accessible for everyone with ADA-compliant features, including ramps and designated parking. If you need assistance, our friendly staff is always here to help. We understand that your time is valuable. That's why we offer convenient operating hours: Monday through Friday from 8:00 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM. Whether you're popping in on your lunch break or making a special trip on the weekend, we're here to serve you.

Join Us Today!

Ready to experience the Heritage Family difference? We invite you to visit us at our Rutland branch or give us a call at 802-775-4930. Let's start building a brighter financial future together!

Services Tailored to You

While we currently do not have ATM services or drive-thru banking available at this location, our team is dedicated to providing personalized service inside the branch. You can count on us for all your banking needs from opening an account to discussing loan options. If you need to send official correspondence, please note that while our branch address is 26 Allen St, Rutland, VT 05701, you can also use this address for mailing purposes.

Member Eligibility

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!

Business Banking & Commercial Services

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine being able to accept payments quickly and securely, giving your customers a seamless experience. This not only helps streamline operations but also boosts customer satisfaction essential for any thriving business. Visit us at 26 Allen St, Rutland, VT 05701 or call us at 802-775-4930 to learn more about how our business banking and commercial services can empower your enterprise!

Tailored Loan Solutions

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

Banking Services Tailored for You

One of the standout features of Heritage Family is our commitment to convenience. Our services include ATM Services Only, which allows you quick access to your funds wherever you may be. Imagine needing cash for a weekend getaway or simply wanting to make a deposit after hours; our ATMs are there for you, ensuring that your banking experience is hassle-free.

Embracing Digital Banking

In today's fast-paced world, we understand that digital access is crucial. That's why we offer robust online banking solutions. You can easily check your account balance, transfer money, and manage your transactions from the comfort of your home or on-the-go via our mobile application. With mobile payments and the option for e-statements, managing your finances has never been easier or more secure.

Join Our Community

If you're not yet a member, consider joining us! At Heritage Family, we focus on building lasting relationships with our members while providing quality financial products tailored specifically for you. To learn more about becoming a member, please visit our membership page. In summary, whether you're visiting us in person at our Rutland location or using our online services, Heritage Family is committed to making your banking experience enjoyable and efficient. We look forward to being part of your financial journey!

Support When You Need It

Our team at Heritage Family is always ready to help you navigate through any questions or concerns regarding our services. Whether you need assistance setting up your online account or have inquiries about ATM locations, just give us a call at 802-775-4930. We're here Monday through Friday from 8:00 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM.

Digital & Online Banking

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!

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 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.

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 cater to all types of buyers whether you're interested in a brand-new model or a reliable used vehicle. Plus, our refinancing options can help lower your monthly payments if you already have an existing auto loan.

Business Loans

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 costs, we're here to support your business journey. Our team at Heritage Family is dedicated to helping you find the right financial solutions tailored specifically for you. For more information about eligibility and how to apply for any of our loan products, please visit our website or call us at 802-775-4930. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 aim to provide clear guidance throughout the mortgage process so that you feel supported every step of the way.

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 without the need for collateral.

Loan Aggregator

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HERITAGE FAMILY FEDERAL CREDIT UNION - Rutland, VT

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