New members enjoying some family time.


Heritage Family Credit Union is a not-for-profit federally chartered co-operative that is owned by its members. Membership requires a $25 initial deposit into an account, which is a member's ownership share in the credit union.

You can apply for membership, a loan, add an additional sub acount, or add a term share certificate "CD". Choose the appropriate loan from the list below and submit your application!


You are eligible to join Heritage Family Credit Union if you live, work, worship, do business, or go to school in any of our communities. 
Apply to become a member of HFCU! Apply to Become a Business Member    

Auto Loans

You may finance a variety of vehicles, including automobiles, motorcycles, ATVs, boats and other recreational vehicles through Heritage Family Credit Union.
Apply for a Membership and an Auto Loan Refinance Your Vehicle Loan Apply for a Lease Buyout
Apply for a Lease Buyout Apply for a Vehicle Loan Preapproval Apply for a Toy Loan

Credit Cards

Heritage Family Credit Union offers several great Emerald Visa credit card choices for you or your business.
Apply for a Membership and an Emerald Visa Card Apply for an Emerald Visa Card Apply to Consolidate Your Credit Cards

Personal & Business Loans

Personal Loans can be utilized for a variety of purposes including vacations, holidays, electronics or unexpected expenses, to name a few. HFCU also offers many loan options to suit your business needs including Term Loans, Commercial Mortgages and Lines-of-Credit.
Apply for a Business Loan Apply for a Membership and a Personal Loan Refinance Your Personal Loan
Apply for a Secured Personal Loan Build or Re-Establish Credit Apply for an Unsecured Personal Loan
Apply for an Energy Efficiency Loan Apply for a Solar Loan Vacation Loan
Apply for an Overdraft Line of Credit

Mortgage Loans

We are proud to service all of our mortgages locally. If you are looking for a new home, wanting to refinance your current home, need home improvements or to consolidate debt, we encourage you to check with us for all of your mortgage needs.
Apply for a Membership and Home Equity Line of Credit Apply for a Home Equity Line of Credit
Apply for a Home Equity Loan Apply for a Mortgage

Current Members

Apply through eBranch Add a Share Apply for for a Limit Increase or Upgrade Open a Term Share CD