Become A Member

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 share in the credit union.  

You can apply for membership, or if you are looking for a loan, you can apply for membership and a loan at the same time. Choose the appropriate loan from the list below and submit your application! 

Apply to Become a Member

Apply to Become a Business Member

Ready to apply? Gather the documents you'll need for your business membership application before you start. Download the Business Membership Checklist before you begin!

Apply for Membership & an Emerald VISA Card

Apply for Membership & a Personal Loan

Apply for Membership & a Solar or Energy Efficiency Loan

Apply for Membership & an Auto or Toy Loan*

Apply for Membership & a Home Equity Line of Credit**

Ready to apply? Gather the documents you'll need for your home equity line of credit application before you start. Download the Home Equity Line of Credit Application Checklist before you begin!

Apply for a Mortgage or Home Equity Loan**

 Recently applied? Check the status of your application!

*This application is for those members who have already picked out their car and know information, such as VIN and final price. If you are looking to be pre-approved, please visit our Smart Approval Application. 

**Learn more about Home Equity Lines of Credit and Home Equity Loans to determine which loan is right for you.