Spring 2021 Newsletter

President's Message  •  65th Annual Meeting on April 21  •  Brandon is on the Move!
 Kristen Hewitt Named Employee of the Year   •  Auto Buying Resources 
5 Ways to Make Your Budget Work for You  •   Shred Event 2021 
Swipe. Tap. Use. Be Entered to Win!   •    Liberty Mutual
Youth Savings Month Poster Contest •   Heritage Way

An image of Matt Levandowski, HFCU President/CEOPresident's Message

Most members are usually unaware of the many different initiatives that are undertaken when we have to foreclose on a property. Thankfully, HFCU does not own many of these properties. However, over the past 22 months or so, we’ve been dealing with a very public foreclosed property, the former College of St. Joseph campus, that I’d like to update you on.

At the end of March, we sold a portion of the campus to the City of Rutland, specifically the athletic center, ballfields, some parking and about 20 additional acres. The city had been using the facility ever since the college shut down and are now the proud owners of the newly coined “Rutland Rec Community Center”. I couldn’t be happier for the city of Rutland, since they’ve needed something like this for quite some time.

As part of our negotiations on that deal, I asked for naming rights to the gymnasium. This was our way of helping the city find a way to purchase the facility, while getting something in return. The naming rights will not only bring attention to our credit union, but also our recently formed foundation “Heritage Family Cares 4 You” (HFC4U). Once all of the branding is in place, the basketball court will sport a unique design, combining our HFCU and Foundation logos. In addition, signage that surrounds the gym will depict the new name of the facility “Heritage Family Field House.”

We are hoping this endeavor will help the general public begin to understand the mission behind our HFC4U Foundation of improving the everyday lives of the people in our communities through education, volunteerism and financial support. As we begin to roll out more information about our HFC4U Foundation, we are hopeful that our members and the general public will want to help in our efforts. Please be on the lookout for different ways you can help support these efforts, as we work to provide much needed charitable contributions to the area non-profits that we serve.

With that one piece of the campus sold, we are continuing our work on selling off the remainder of the 100+ acres of the campus to a developer that is interested in providing faith-based senior care living to our area seniors. While there are still a few items that need to be addressed before we can close on this deal, I am hopeful that the final result will be a group of organizations working together to create a thriving community on a once-dead college campus. If all goes as planned, we should have everything in place to close by the end of May.

Enjoy the warm weather. We’ve earned it.


Matt Levandowski


65th Annual Meeting65th Annual Meeting on April 21

Heritage Family Credit Union will be hosting a virtual Annual Meeting of the membership on Wednesday, April 21, 2021 at 6:00pm.

If you are interested in attending, you must RSVP in order to receive the meeting link, which will be sent at a later date. To RSVP, you may visit this link or call 802.747.2380. All responses must be received by Friday, April 16.

Due to the unique circumstances surrounding this year's meeting, all attendees are being asked to vote for Board of Director candidates prior to this year's Annual Meeting. Absentee ballots are available at all HFCU branches and must be received by April 16. In order to vote, you must be the primary member on your account.

For more information please visit our website.


Brandon is on the Move!

We are excited to announce that we will be moving our current branch in Brandon, VT to a new location. Beginning June 1, please join us at the south end of town on Route 7, next to the Rescue Squad (the old Bar Harbor branch).

This new branch will allow us to better serve our members with drive-thru teller service, ample parking and a drive up ATM. As always, Wendy and crew will be ready to serve you and your family’s financial needs…just in a bigger space!

Be on the lookout in the coming weeks as we work to get our new home ready for visitors – and please plan to stop in and visit after June 1.

Kristen HewittKristen Hewitt Named Employee of the Year

Kristen Hewitt, Mortgage Loan Closer, was honored as Heritage Family's 2020 Employee of the Year during the Credit Union's virtual staff meeting in January for her tireless work and dedication to the Credit Union and its members.

In a year like no other - where HFCU, like so many other organizations, needed to adjust our operations to keep our members and staff safe - Kristen worked to ensure that a record number of mortgages were closed in a timely and accurate fashion.

Kristen approaches all she does with a positive attitude, an eye for the small details, and the utmost consideration for our members. Heritage Family Credit Union is proud to honor Kristen Hewitt as the 2020 Employee of the Year!


Image of cars lined up at a dealership
Auto Buying Resources

Heritage Family Credit Union has a number of tools available to help you find the perfect vehicle. SmartApproval allows you to apply online for pre-approval. Visit our website and print out a pre-approval form so you can stop by a dealer with confidence!

If you've already found your car, you can apply for financing today! Current members who already know information on their next vehicle, such as VIN number and final price, can apply for an auto loan right from eBranch or by visiting our website.

If you're still looking for your next set of wheels, you can also browse our wide variety of used cars – or customize a search for the new vehicle you've been looking for – with our online vehicle marketplace, AutoSMART.

Helpful calculators are available to help determine how much of a car you can afford, and how much your loan payment might be.

Whatever season of car buying you find yourself in, HFCU is here to help you spring into your next car.

5 Ways to Make Your Budget Work for You

5. Set goals
Goals make your life more fulfilling when you achieve them. Set realistic goals and make room in your budget for the money you will need to achieve them. You can even use the tools on HFCU eBranch to help you set, track and achieve your goals!

4. Track spending to make your budget more realistic
Do you need direction or is your budget busted? Tracking your spending can help you see where you are actually spending your money. Once you know where your money is going, it’s much easier to develop a plan that will work.

3. Revisit your budget on a regular basis to make sure it is still working for you
Life changes and circumstances shift… so should your budget. Rework your budget as your goals change. Have a big life moment coming your way? Plan ahead and stay on track.

2. Budget for the fun things
No matter what your thing is, don’t forget to budget for it. People often look to “entertainment” or “recreation” for the first items to cut out of a budget… sometimes completely. Be realistic. Even most streaming services cost at least $10 a month.

1. Make it YOUR budget
Don’t worry about your friends or neighbors. Your budget is about achieving your goals while their budgets are about theirs. Don’t get thrown off track by “keeping up with the Joneses.” Stick to your plan.

Need some extra help making your budget work? Our HFCUniversity Certified Financial Counselors are available to assist you with a wide range of topics, including budgeting assistance and more! Speaking with a Certified Financial Counselor is FREE for Heritage Family Credit Union members, and meetings are 30-45 minutes. To make an appointment, visit our new HFCUVT Video Branch or call 888.252.8932.



Shred Event 2021. Sat. May 1 9-12, 26 Allen St. RutlandShred Event 2021

Saturday, May 1 9:00am - 12:00pm
26 Allen Street, Rutland, VT

FREE shredding of personal & confidential information. Residential papers only - no commercial businesses. Limit of 3 boxes per car.

In order to ensure a safe, socially-distanced experience for our members and staff, we have added some additional restrictions for this year's event. Please read the following information carefully:
• No plastic bags, 3-ring binders, spiral notebooks, books or garbage
• All boxes will need to be kept in the trunk of your vehicle for contactless shredding
• All boxes will be returned to your car - cardboard boxes will not be recycled on site
• Face masks must be worn - fully covering both nose and mouth
• Please stay in your vehicle at all times

Swipe. Tap. Use. Be Entered to WinSwipe. Tap. Use. Be Entered to Win!

Make 10 or more purchase of at least $5 each with your Emerald VISA Card and be entered to win up to $500 towards your credit card balance! One winner each month of April, May and June!

No purchase or obligation necessary to enter or win. Additional restrictions apply. To view full contest rules, visit our website.


Image of children getting into the back of a carLiberty 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. 

Youth Savings Month Poster Contest. Image of Captain Credit UnionYouth Savings Month Poster Contest

This could be your chance to win an awesome prize pack AND have your poster immortalized in a Heritage Family Credit Union 2022 calendar! This contest is open to students in grades K-12
13 winners will be announced on International Credit Union Day in October.

Poster topics can be anything to do with saving, spending or sharing - for some topic suggestions, visit our website! Contest deadline is April 30 at 5:00pm. To view full contest rules, visit our website.