Credit Union Benefits

Good Return & Low Rates

Membership Benefits The Credit Union is a member owned not-for-profit co-operative formed for the purpose of encouraging savings by offering a good return. The collective monies are used to make loans at competitively low interest rates to members, and provide a multitude of other financial services to our members. We are constantly looking for new and better ways to provide our members with the most current, convenient and beneficial financial services.

Local Leadership
Your credit union's operation is the responsibility of the Board of Directors. All of the directors are volunteers, which are elected by the membership at the annual meeting held in the spring of each year.

In addition to the board, there are several committees which perform various duties to ensure quality service, and maintain safety and soundness. These committees include the Supervisory Committee, which carries out the objectives established by the board.

Deposit Insurance
All deposits at Heritage Family Credit Union are federally insured to at least $250,000 by the National Credit Union Administration. Certain accounts, such as IRA’s and Keoghs, are insured separately up to $250,000. Copies of the NCUA brochure “Your Insured Funds” are available at each branch office and main office of the credit union and are also available upon request.
  • Visit for more information about the National Credit Union Share Insurance Fund coverage for consumers.  

Member Products & Services
The Credit Union offers a wide variety of services to suit your entire family's needs. Products and services offered by the Credit Union include:
IRA Accounts, Share Drafts, Money Market Share Accounts, ATM Card, ATM/Check Card, Club Accounts, Term Share Certificates, Direct Deposit, Payroll Deductions, Personal Loans, Auto Loans, Mortgages, Home Equity Loans, Coin Counting Machine, Health Savings Accounts, Extended Warranties, SmartApproval, Medallion Signature Guarantee, GAP Protection, Free Notary Service, Emerald Visa Cards, Night Deposit, Drive - Thru Service, Safe Deposit Boxes, Financial Management, Financial Counseling, M.A.R.S. 24-hour Teller, e-Branch Home Banking, Android App, iPhone App, iPay, e-Statements, Electronic Bill Payment, SmartDeposit, Federally Insured to $250,000.

Business Products & Services
Heritage Family wants to help your business grow. Some of the products & services the credit union offers to help your business are:
Business Share Accounts, Business Share Drafts, O/D Line of Credit, High Yield Accounts, Revolving Line of Credit, SBA Loans, Term Loans, Commercial Mortgages, Corporate Credit Cards, Merchant Processing Services, Payroll Services

Refer to the Owner's Manual, or contact us for more information.
With our home banking apps for Android and Apple devices, manage your account, transfer money, and pay a bill on-the-go.
Locations & Hours
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.