Winter 2018 Newsletter

President's Message  •  HFCU to Host 63rd Annual Meeting • Shiver Me Shamrocks • Timely Tax Tips • A Lot of Stuffing!  
HFCU Scholarships Available • Liberty Mutual Has You Covered • First-Time Homebuyer Program

President's Message

As we dive head first into 2019, I wanted to share with you a few new things happening at Heritage Family in the coming year. 
Later this winter, we will be rolling out our new foundation called “Heritage Family Cares 4 You” (HFC4U). We understand that our long-term success is directly linked to the success of our members and the communities that we serve. Because of that, we want to continue creating solutions to help strengthen our communities and grow our local economy by supporting our non-profits around Rutland and the surrounding counties. 
An image of Matt Levandowski, HFCU President/CEO
HFC4U will serve as a portal for our annual community giving and will enable us to better assist our communities and members. We plan to keep all members informed as we roll out this new foundation. In the future, we hope you will be able to participate in our efforts to help our area non-profits through additional use of your debit and credit cards or by small monthly voluntary donations.

We know your time is important and you require the best digital banking solutions for your busy lifestyles. That's why, in August we will be launching our new digital banking platform, which will improve the overall functionality of the system and allow you to conduct more business online or via your mobile device. This new platform will be totally responsive to all different devices, allowing you to have the same look and feel when using your computer, iPad or mobile phone to conduct transactions. It will create a more seamless interaction for you, allowing you to access account information regardless of where you are or what device you are using. If you are interested in being included in one of our focus groups to test out the new digital system, please let me know.  

As always, we continue to develop new products and systems for the benefit of you, our members. Wishing you a new year filled with prosperity, joy and contentment.

Matt Levandowski

HFCU to Host 63rd Annual Meeting

Heritage Family Credit Union will host its 63rd Annual Meeting on Wednesday, April 17, 2019 at the Ron Hance Operations Center, 30 Allen Street, Rutland, VT 05701. The event starts at 6:00 pm with the Business Meeting; light hors d’oeuvres and a cash bar to immediately follow. All members are invited to attend the event and exercise their right to vote. Tickets for the Annual Meeting will be available at each of HFCU’s eleven branch locations beginning Thursday, March 7, 2019. If you’re interested in running for a Heritage Family Credit Union Board of Directors seat, please send a letter of interest and resume to:

Attn: Nominating Committee
30 Allen Street

Rutland VT 05701

Shiver Me ShamrocksShiver Me Shamrocks - A St. Patty's Fun Run!

Join us for the 6th Annual Shiver Me Shamrocks St. Patty’s 5K and Kids Fun Run on March 16, 2019 to benefit Come Alive Outside in Rutland County. Registration is now open!


Timely Tax Tips

All parties named on the check must endorse federal tax refund checks. If mailing the check for deposit, sign the back and add the words: For deposit only to the account #_____________.

If you are requesting that a tax refund be electronically deposited to your account, the Routing and Transit number is 211691318. If the IRS does not have the correct information, your funds will be returned to them. Contact our call center if you need assistance. 

IRA Deposits

Contributions to your 2018 IRA must be received no later than April 15, 2019. Remember, the Credit Union offers Traditional, Roth, Payroll, Health Savings and Coverdell IRA’s. For more information contact our Call Center at 888.252.8932.

A Lot of Stuffing!Stuff-a-police-cruiser!

This past November, with the students in Rutland County schools, as well as our friends at the General Electric Employees’ Fund and Rutland Regional Medical Center Heritage Family Credit Union Rutland Branches were able to donate 5,873 food items and $2,000 in a check donation to buy fresh vegetables and turkeys to help feed hungry families for the Stuff-A-Bus campaign. The Fair Haven and Castleton branches were able to donate all of their food items to the Fair Haven Shaw’s where their local stuff a “Bus” was a police cruiser. The Brandon branch was also able to donate to their local food shelf! 

HFCU Scholarships Available

Heritage Family Credit Union is once again accepting applications for (4) $1,000 scholarships. This scholarship is open to all seniors attending a high school in the HFCU field of membership, who intend to pursue further education in an accredited undergraduate program at a college, trade school or university. 

Applicants must:

• Be currently enrolled as a senior at a high school in HFCU’s field of membership.
• Be pursuing further education as a full-time student at an accredited undergraduate program at a college, trade school or university (minimum 6-credit semester or the equivalent) in the Fall of 2019.
• Be an exemplary member of the student body and have demonstrated leadership qualities within their school and community.

Apply today! Scholarship applications must be received no later than 5:00 pm EST on Friday, March 28, 2019. 

Liberty Mutual Has You CoveredLiberty Mutual

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. 

First-Time Homebuyer Program

Heritage Family Credit Union is happy to announce a new program for first time homebuyers. This is available to qualified first-time homebuyers for a low down payment of just 3% with no geographic or income limits. 


• Must be an owner-occupied property
• Includes 1-unit single-family residences, condos and townhouses
• Must be a purchase transaction or rate and term refinance (no cash out)
• At least one borrower must be a first-time home buyer
• Max loan-to-value ratio (LTV) of 97%
• Must be a fixed-rate mortgage
• At least one borrower must have a usable credit score
• Homebuyer education required for purchase transactions when all borrowers are first-time homebuyers

For more information, please call our Call Center at 888.252.8932 and ask to speak with a Mortgage Representative.