Disclosures Membership disclosures contain valuable information that pertains to the products and services we offer to our members. Please take a moment to review these important documents. Click the links below to view the disclosures.

Web Disclosure Statement

•This website provides links to other web sites for convenience and informational purpose only.
•When you select a link on our web page, you may be leaving our web site.
•Linked sites are not under the control of the Heritage Family Credit Union and the Heritage Family Credit Union is not responsible for the contents of any linked sites, or any link contained in a linked site, or any changes or updates to such sites.
•Heritage Family Credit Union is not responsible for any transmission received from a linked site.
•Inclusion of a link does not imply endorsement by the client of the website, its content, advertisers, or sponsors.

Membership and Account Agreement

Business Membership and Account Agreement

Electronic Funds Transfer Agreement

Funds Availability Disclosure

Courtesy Pay Disclosure

Privacy Notice & Disclosure

Web Privacy & Cookie Policy

eBranch Agreement & Disclosure

Smart Deposit User Agreement

Truth-in-Savings Disclosure

The rates, fees and terms applicable to your account at the Credit Union are provided in the Truth-in-Savings Disclosure. The Credit Union may offer other rates for these accounts from time to time.

Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-In-Savings Disclosure are share accounts.

Fee Table

1. Rate Information. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all accounts, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union's Board of Directors. The Dividend Rates and Annual Percentage Yields are the rates and yield as of the last dividend declaration date, which is set forth in the separate Deposit Rate Schedule. The balance ranges and corresponding dividend rates and annual percentage yields applicable to each tier are disclosed on the separate Deposit Rate Schedule. For tiered accounts, once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account.

2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

3. Dividend Compounding and Crediting. The compounding and crediting frequency of dividends and dividend period applicable to each account are stated in the Rate Schedule. The Dividend Period is the period of time at the end of which an account earns dividend credit. The Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.

4. Accrual of Dividends. For all accounts, dividends will begin to accrue on non cash deposits (e.g. checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, you will not receive the accrued dividends.

5. Balance Information. To open any account, you must deposit or already have on deposit at least the minimum required share(s) in a Share account. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are stated in the Deposit Rate Schedule. For accounts with a minimum daily balance required to avoid a service fee, you will be assessed a fee as stated in the Fee Schedule if the required minimum balance is not met each day of the dividend period. For accounts with a minimum daily balance required to earn the Annual Percentage Yield, you will not earn the stated Annual Percentage Yield if the minimum daily balance is not met each day of the dividend period. For all accounts, dividends are calculated using the Daily Balance Method which applies a daily periodic rate to the balance in the account each day.

6. Account Limitations. See separate Deposit Rate Schedule.

7. Fees For Overdrawing Accounts. Fees may be imposed on each check, draft, item, ATM transaction and one-time debit card transaction (if member has consented to overdraft protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or  transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft, or item. You may consult the Funds Availability Policy for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information.

For ATM and one-time debit card transactions, you must consent to the Credit Union's overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member's opt-in choice for overdraft protection and the Schedule of Fees and Changes.

8. Membership. As a condition of membership, you must purchase and maintain the minimum required share(s) as set forth below.

Par Value of One Share $25.00
Number of Shares Required 1

9. Rates. The rates appearing in this Schedule are accurate as of the last dividend declaration date indicated on the separate Deposit Rate Schedule. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union. Our telephone number is 888.252.8932.

10. Fees. See separate fee schedule for a listing of fees and charges applicable to your account(s).

Please refer to the separate Deposit Rate Schedule provided with this disclosure for the rates, fees and additional terms applicable to your account at the Credit Union. The Credit Union may offer other rates for these accounts from time to time.
Seminars & Events
Heritage Family Credit Union offers a variety of Seminars & Events to help educate and support the community.
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.