Winter 2022 Newsletter

President's Message  •  66th Annual Meeting
Interactive Teller Machines •  HFCares 4 U

Online Business Applications •   Scholarships
Skate Into 2022  •   Liberty Mutual 
Emerald VISA Balance Transfer 

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

As we wrap up another Holiday Season and dive head first into 2022, I want to remind everyone to be vigilant regarding the ever-increasing fraudulent activity that is becoming more prevalent, even impacting our credit union. Our Fraud Department works tirelessly with some of our own unsuspecting members that have fallen victim to scams. That’s why I want to take up this article reminding you about some that have already hit HFCU:

A caller pretends to be from the “Social Security Administration” or some other government agency and threatens to freeze your credit union account unless you purchase gift cards to avoid going to jail. Once purchased, they will ask that you provide them the numbers on the back of the gift cards as proof of purchase. This is always a scam. A legitimate government agency or reputable business would never ask for payment in the form of gift cards.

A “romantic love interest” sends you a check and asks you to deposit it and either withdraw the funds or wire the funds to their account. They may ask for all of the funds, or only a portion of them, and tell you to keep the extra for “doing them a favor”. Depositing a scammer’s check, being a “money mule”, puts you in serious legal and financial jeopardy. The check will always come back as counterfeit and you will be responsible for repaying the withdrawn funds, while the scammer gets away.

Law enforcement and financial institutions continue to work on being one step ahead of the criminals, but we need your help. Please be cautious whenever you hear of a deal that sounds too good to be true, it almost always is. Our team has been trained to ask you questions regarding large deposits or withdrawals in order to help you safeguard your hard-earned money. So, please be patient with them, as they are only trying to protect your accounts.

In addition, help us help you by adhering to a few simple rules:

Do not open any suspicious or unexpected emails, links, or attachments

Do not openly share or provide any personal information, including your eBranch password

Be suspicious of anything that requires an “urgent” or “immediate” response. These are usually scams

Be suspicious of something that seems “too good to be true” ie: receiving extra money or free money

To learn more about these scams or others please visit the State of Vermont’s website: If you think you are being targeted or have fallen victim to any one of these scams, please don’t hesitate to contact us. We have processes in place that can help protect any further information from being stolen, and we are always happy to help keep you from becoming a victim!


Matt Levandowski


66th Annual Meeting66th Annual Meeting on April 20, 2022

Heritage Family Credit Union will be hosting a virtual Annual Meeting of the membership on Wednesday, April 20, 2022 at 6:00pm.

All members are invited and encouraged to attend. If you are interested in joining the virtual meeting, you must RSVP in advance to receive a link to the virtual meeting. To RSVP, you may visit this link or call 802.747.2380. All responses must be received by Friday, April 15.

There are three (3) HFCU Board positions up for election, each with a 3-year term, that will be voted on at the Annual Meeting. If you’re interested in running for a Heritage Family Credit Union Board of Directors seat, and you are a current member in good standing, please send a letter of interest and resume to:

Attn: Nominating Committee
30 Allen Street
Rutland VT 05701


Workers Carrying ITM

Interactive Teller Machines (ITMs)

Be on the lookout in the coming weeks for brand-new Interactive Teller Machines in our West and Allen Street lobbies in Rutland. These machines allow you to perform transactions on your own, or with the help of an on-screen teller through HFCUVT Video Branch. ITMs will help supplement your lobby experience: you may visit one of our in-person tellers when you like - and if you’d prefer to self-serve, now you can! Check out these new machines soon, and let us know what you think!



12 Days of Giving HFCares4UTwelve Days of Giving with Heritage Family Cares 4 You

Heritage Family Cares 4 You, the non-profit giving foundation of HFCU, proudly presented twelve $1,000 checks to area non-profits in December 2021.
The 2021 HFCares4You 12 Days of Giving included donations to Brandon Area Toy Project, Bennington County Sheriff's Department: My Secret Santa Program, Meals on Wheels of Bennington County, Shire Kids, The Mentor Connector, Castleton Community Seniors, Fair Haven Concerned, Inc., Tatum's Totes, The Collaborative, Black River Good Neighbor Services, Hooksett Community Food Pantry and Meals on Wheels of Rutland County. 
To learn more about Heritage Family Cares 4 You, please visit visit To become a Friend of the Foundation and support the mission of "Improving everyday lives in our communities through education, volunteerism and financial support," visit any of our branches, give us a call at 888.252.8932, connect with us through HFCUVT Video Branch, or apply online. As a Friend of the Foundation, your contribution will make a positive impact on the community, and there will be opportunities for you to nominate and vote for non-profits to receive donations!


Image of woman with laptopOnline Applications for Business Services

Whether you are established or just starting out your business, HFCU has tools and resources to help your business grow - and our business application process can now be completed securely online or through HFCUVT Video Branch!
Before beginning the application process, download our business account checklist to make sure you have everything in place.
In addition to a range of business savings & checking accounts and loans, HFCU Business Services offer convenience with eStatements for your accounts, Quickbooks integration, and Smart Deposit through your mobile phone. Our partnerships can offer peace of mind with Payroll Services through Paydata and Merchant Services through Total Merchant Concepts. Our HFCU Business VISA credit card offers a low 9.25% APR* with no annual fee PLUS 1.5 reward points for every dollar spent.

HFCU Scholarships Available

Heritage Family Credit Union is once again accepting applications for (4) $1,000 scholarships.

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 2022.

• Be an exemplary member of the student body and have demonstrated leadership qualities within their school and community.

Scholarship applications must be received no later than 5:00 pm EST on Friday, April 29, 2022. A full list of required application documents is available on our website.

Image of Ice Skates with MoneySkate Into the New Year!

1.5% Cash Back & match or beat your existing rate* when you refinance your collateral loan with HFCU.
Apply online, connect with us through HFCUVT Video Branch call 888.252.8932. Offer does not apply to real estate, business, or existing HFCU loans.


Liberty Mutual. Image of kids getting into vehicleLiberty 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 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.
image of marshmallow character in a cup of cocoa

Emerald VISA® Balance Transfer

Melt your debt! Qualified members who transfer their balance to an Emerald VISA Credit Card will receive a special, low introductory rate of 1.99% APR* for 12 months, then a standard variable 7.25% APR or fixed rates of 9.99-12.90% APR will apply. Apply for an Emerald VISA balance transfer on our website.