Fall/Winter 2019 Newsletter

President's Message  •  Exciting Credit Card Changes in November  •  International Credit Union Day  
Stuff A Bus  •  We Are Here to Help!   •  Upcoming Events  •  
Liberty Mutual Has You Covered  • 
Leave Your Wallet at Home  •  Fuel Loans

President's Message

It has been an extremely busy summer and early fall here at Heritage Family Credit Union. Over the past few months, we launched our new eBranch digital banking platform, completed a debit card processor conversion, and switched to a new after-hours call center partner. But we’re not done yet! In November, we will be converting all of our Emerald VISA credit cards over to a new card processor, as well.

Matt Levandowski, HFCU President/CEOWhile I realize change can be hard to get used to, and some of these conversions can create irritations for members, I am confident the end result will allow us to offer advanced technology and self-service features similar to those found at some of the largest financial institutions in the country. The best part, you can have the same experience on your desktop, tablet or mobile device.

Not to be overshadowed by all of our hard work this year, like those conversions, is the fact that your credit union crested the $500 million mark in assets this past summer! This is a monumental occasion in the history of HFCU. I, personally, can remember us being a $42 million credit union when I started back in 1993. And, I’m sure some of our members can remember back even further.

We could not have accomplished this milestone or provide these new debit and credit card features without the unending support of our members, like you. You are the reason we continue to be a success and work as diligently as we can to provide you with the best possible member experience. Thank you for your continued patronage of HFCU and we hope you will utilize some of these new products as they become available.

Matt Levandowski


Young Woman Holding a Credit CardExciting Credit Card Changes in November! 

Do you carry one of Heritage Family Credit Union’s Emerald VISA Cards?

As part of our upcoming VISA card conversion, please be aware that ALL card holders will be receiving a new EMV, chip-enabled, VISA Emerald card in the mail. Your new card will have a new card number. The new VISA Emerald card will replace your existing Emerald Card.

Please call, from your primary phone number, to activate your card as soon as you receive it and destroy your old card. If you have not received a new card by November 30th, contact us at 888.252.8932 to request a new card.

If you have any pre-authorized or recurring debits (health club, insurance, subscriptions services, cable, utilities, etc.) on your card, you will need to update those merchants with your new card number.


With our new card, we are pleased to announce we are adding an improved reward system. All the points you’ve earned in the past will transfer to our new rewards system and you’ll be able to continue earning points for every dollar you spend.
Additionally, with the new card you’ll be able to login to your desktop, tablet or mobile device to set your own travel notices, dispute fraudulent charges, order replacement cards, as well as temporarily freeze your card if it’s misplaced, and many other online features.

International Credit Union Day LogoInternational Credit Union Day

Heritage Family Credit Union, along with more than 89,000 credit unions and 260 million credit union members around the world, will celebrate International Credit Union (ICU) Day® on Thursday, October 17. The holiday has been celebrated on the third Thursday of October for 71 years. This year’s theme is “Local Service. Global Reach.”

The goal of the day is to raise awareness about credit unions, and the foundational principles that make credit unions unique. Credit unions are member owned, not-for-profit financial cooperatives guided by nine principles, including democratic control, social responsibility, and people helping people.

Please join us at your local branch on October 17 to celebrate ICU Day with some fall treats!

Help Us Stuff A Bus. Image of Captain Credit Union and a School BusStuff A Bus 

Heritage Family Credit Union is excited to again partner with WJJR and area school children to support the 25th annual Stuff A Bus food drive.

Join us by bringing non-perishable food items to any of our Rutland county branches between Nov. 1 and Nov. 13. For every item donated from our members and employees, Heritage Family Credit Union will make a $.50 donation, up to $2,000.

So help us promote the credit union philosophy of “people helping people” by helping friends and neighbors have a happy and healthy holiday season!

Image of woman at computer holding a lit lightbulbWe Are Here to Help!

HFCU offers many options for those that find themselves in a difficult situation and unable to make their regularly scheduled loan payments. 
Perhaps you have needed to make unexpected repairs to your vehicle, or missed a week of work due to an illness or workplace accident. Depending on the situation, deferments may be available, if you qualify.
In an instance of a life event, such as divorce, death or unemployment, which may have a lasting effect on your loan at HFCU, we'll be ready to help you. We know that these situations may be embarrassing or tough to talk about, but our Member Solutions Team or any branch personnel are available to you for assistance.
If you ever find yourself in any of these situations, please don't hesitate to call us at 888.252.8932 and speak to a Member Solutions Specialist - or visit your local branch for more information.

Upcoming Events

November 1-13, 2019

Stuff A Bus: Stop by any of our branches in Rutland County to donate non-perishable food items. HFCU will be bringing everything collected down to the bus on November 14.

Saturday November 30,2019

Downtown Rutland Holiday Stroll: Downtown Rutland, VT 05701. 8:00am-11:00pm.
Free Movie Screening: "How the Grinch Stole Christmas" at The Paramount Theatre, 30 Center St, Rutland, VT 05701 10:00am-Noon.

Liberty Mutual. Image of Statue of LibertyLiberty Mutual Has You Covered

Heritage Family Credit Union is happy to provide a full suite of insurance products through our partnership with Liberty Mutual.  Heritage Family Credit Union members are eligible for a special discount through our local representative Jen Goeke. You can stop into your local branch, visit our website, or contact our Call Center toll-free at 888.252.8932 for a free, no obligation quote!

Liberty Mutual is happy to offer you a variety of coverages options including: Home, Auto, Condo, Renters, Flood, Personal Liability, Watercraft, Motorcycle and Valuable Possessions Protection. 

Photo of a hand using Heritage Family Debit Card through mobile walletLeave Your Wallet at Home! 

Add convenience to your life when you add your HFCU debit card to the mobile wallet of your smartphone or smartwatch! Your on-the-go payments will be faster, easier and more secure. From online and in-app purchases to simply shopping at your favorite store — checking out is now easier than ever!


Image of frozen thermometerFuel Loans

Get a head start on the wintertime chill with a Fuel Loan from HFCU. Rates are as low as 5.49% APR* for 12 Months.

*Annual Percentage Rate. Fixed rate for 12 months from date of finance. Certain restrictions apply. To qualify, a borrower must meet underwriting requirements. Monthly payment of $85.83 per $1000 for 12-months.