Business Details
Your Trusted Partner for Financial Solutions in Rutland, VT
Heritage Family Credit Union (HFCU) has been dedicated to prioritizing people over profits since its inception. With a focus on personalized service, we offer a comprehensive range of financial products including digital banking, checking and savings accounts, personal and business loans, mortgages, and investment services. Our commitment to community development is evident through initiatives like Roofs Over Rutland, which addresses housing needs through specialized lending programs. With 11 branch locations and video banking capabilities, we serve members across Vermont, New Hampshire, Massachusetts, and New York. Our team of financial experts works closely with individuals and businesses to create tailored solutions that foster long-term success.Recognized as the Best Credit Union by multiple local publications, we combine the technological capabilities of larger institutions with the personal touch of a community-focused organization. Our 54,227 members benefit from flexible financial accommodations, including relief programs for those facing hardship. Through strategic partnerships and volunteer efforts, we actively contribute to the economic vitality of the regions we serve. Our digital banking platform empowers users with tools for budgeting, transfers, and card management. By maintaining federal insurance through the National Credit Union Administration, we ensure the security and trustworthiness that our members expect.
Services
Personal Loans
Auto Loans
Mortgages
Business Banking
Digital Banking
Highlights and features
- We maintain a 100% community-reinvestment focus through programs like Roofs Over Rutland
- Our digital banking platform offers real-time card controls and budgeting tools
- We provide personalized loan solutions with dedicated relationship managers
- We've received multiple 'Best Credit Union' awards from regional publications
- Our 24-hour Member Solutions team offers hardship assistance programs
Associations and certifications
- National Credit Union Administration (NCUA)
What people say
Approved quickly
Great community partners
Personalized solutions
Strong community engagement
Loyalty and honesty
Services
Personal Loans
Our personal loan program offers flexible terms and competitive rates for various financial needs. Whether consolidating debt, financing home improvements, or covering unexpected expenses, we provide customized solutions with transparent fee structures. Our streamlined application process ensures quick decisions while maintaining personalized service throughout the loan lifecycle.
Mortgage Lending
We specialize in residential mortgage solutions including conventional loans, first-time homebuyer programs, and refinancing options. Our local underwriting team understands regional housing markets and offers specialized products like the Roofs Over Rutland initiative. We provide comprehensive guidance from pre-approval through closing with fixed and adjustable rate options.
Business Banking
Our business banking division offers checking accounts, credit lines, equipment financing, and commercial real estate loans. We support local entrepreneurs through personalized relationship banking and community development partnerships. Services include cash management tools and tailored lending solutions for small to mid-sized enterprises across multiple industries.
Digital Banking
Our digital platform provides 24/7 account access with features like mobile check deposit, real-time transaction alerts, and customizable card controls. Users can manage multiple accounts, set savings goals, and initiate transfers through intuitive mobile and web interfaces. Video teller services offer live assistance for complex transactions outside regular branch hours.
Community Programs
We actively support community development through financial literacy workshops, housing initiatives, and local charity partnerships. The Roofs Over Rutland program demonstrates our commitment to affordable housing through specialized loan products. Our employees volunteer extensively and we provide financial support to local organizations improving quality of life in our service areas.
Questions
What loan programs do you offer for first-time homebuyers?
We offer specialized first-time homebuyer programs with competitive rates and down payment assistance options. Our Roofs Over Rutland initiative provides discounted loan products for qualifying applicants in Rutland County.
How can I access digital banking services?
Digital banking is available 24/7 through our mobile app or web portal. Features include account management, bill payment, card controls, and video teller assistance during extended hours.
What business banking solutions do you provide?
We offer business checking accounts, commercial real estate loans, equipment financing, and credit lines. Our relationship managers work closely with businesses to develop customized cash management solutions.
How does your community commitment benefit members?
Our community focus ensures reinvestment in local initiatives that benefit our members. Through programs like Roofs Over Rutland and financial literacy workshops, we address regional needs while maintaining competitive financial products.
What relief options exist for financial hardship?
We offer customized relief programs for members facing hardship, including payment modifications and temporary forbearance. Contact our Member Solutions team at 888.252.8932 ext. 3001 to discuss available options.