Apply Now For An Adventure Loan!

Boat, Motorcycle & Recreational Vehicle Rates as low at 2.95% APR
Rates as low as 2.95% APR1 for up to 48 month 
Payments as low as $140.40 per $10,000!2
Other rates available with terms up to 84 months

Apply for a Consumer Loan or Credit Card.

Apply for instant pre-approval for your next vehicle loan with SmartApproval!

Click here to apply for a Mortgage or Home Equity Loan.
Members click here to apply for a Home Equity Line of Credit.
Guest and Members who do not use e-Branch click here for a Home Equity Line of Credit.

  Apply to become a member of Heritage Family Credit Union.

1 APR = Annual Percentage Rate. Quoted rate is the lowest available rate, reflects all possible discounts, and is accurate as of 5/8/2017. Your rate will be based on your credit score and credit history and may be higher. Rates and terms are subject to change without notice.  Offer excludes all loans already financed at Heritage Family Credit Union.
2 Payment based on a rate of  4.80% APR and a term of 84 months. Federally insured by NCUA.

Emerald VISA
Emerald VISA cards give you the purchasing power you need when you need it. The credit union offers several great Emerald choices for you and your business. Our Emerald VISA cards offers members Choice Rewards, a program specially designed to reward members for their VISA usage.
Whatever your financial needs, day or night, you have access to your account information to help you meet your demanding lifestyle. From our branches, apps and call center we are here in Vermont and New Hampshire to serve you wherever you are.