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Hit Your Savings Target. Earn 5.00% APY* on a 6 month Term Share Certificate. Image of arrows hitting a bullseye

6-MONTH TERM SHARE CERTIFICATE

HFCU is here to help you maximize your savings and secure your financial future.

Earn 5.00% APY 1 ON A 6 MONTH CERTIFICATE

Existing members may visit your local branch, call 888.252.8932, or open a certificate with a live video branch agent!

Apply for a Term Share Certificate Online

Member Testimonials

Noble Ace Hardware
Noble Landon, Inc.
Rutland, VT
"Heritage FAMILY Credit Union is an absolute blessing to our community and the State of Vermont. I capitalized FAMILY because they are FAMILY. Their staff shop our store…they understand the economic dynamics of our community and beyond…and they treat us like family. I have worked with many financial institutions over the years, but HFCU rises to the top. They are big enough to provide the funding we need to improve and grow, and yet, small enough to have a personal touch that makes us feel important and valued. And their selfless giving and support of our Vermont communities is valued and appreciated."
Rick
Rick
"I applied for a truck loan and it took less than 10 minutes to be approved. Getting approved so quickly made my truck purchase very easy. I was very impressed. I wound up leaving with the truck in less than an hour from test drive to finish. Thank you Heritage Family!"
Carpenter and Costin owners stand next to their business sign
Carpenter & Costin
Rutland, VT
"Our team has had a long-standing relationship with Heritage Family Credit Union. Like most businesses, we’ve had our share of growing pains – and through it all, HFCU has been by our side every step of the way. Over the years, our relationship has expanded into community engagement and development. We believe that a strong and prosperous community directly correlates to strong business opportunities. Thank you HFCU for being such great friends, business, and community partners."
Roots the Restaurant
Roots the Restaurant
Rutland, VT
"The relationship that our company has with HFCU is one of the most cherished we have. The loyalty, the honesty, the feeling like there is always a solution. When we call and say “I have an idea,” it is always met with open arms and a desire to listen. We would not be where we are today without the support for the entire HFCU team – it has been a pleasure working with them."
Bill, HFCU Member
Bill
Rutland
"Heritage Family Credit Union works in the best interest of its members and always puts them first. That has made them my #1 financial institution for over 20 years. From car loans to mortgage loans to business transactions, HFCU has greeted me with a smile and a can-do attitude for many years – and many more to come. Thank you, HFCU, for being my credit union."

Summer Skip A Pay. Image of person skipping a song on their phone

Skip-A-Pay

Skip your June, July or August 2024 payment and use the extra cash to enjoy some summertime fun or catch up on bills! A variety of loans are eligible to be skipped - including auto Loans, RV/motorcycle Loans, personal loans and more!* For qualified members. 2

Download the skip-a-pay Form

3

A man smiles and points at the camera using a megaphone

Do you know someone amazing? We’re hiring!

We have open positions at five of our locations. Heritage Family Credit Union is an Equal Opportunity Employer.

401K

with company match

$100

Reward for employee referral

5+

Years awarded best places in Vermont to work


Disclosures

1 * APY= Annual Percentage Yield. Six (6) month term. Rate subject to change without notice. Penalties may be imposed for early withdrawal. You have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. For all certificate accounts, the amount of the early withdrawal penalty is based on the term of your account. Fees may reduce earnings. For all accounts, your account will automatically renew for another term upon maturity. You must notify us in writing before, or within the 10-day grace period after, the maturity date, if you do not want the account to automatically renew. If you do not notify us, the renewal term will be the same as the original term, beginning on the maturity date (unless we notify you, in writing, before a maturity date, of a different term for renewal). The minimum starting deposit for all Term Share Certificates Accounts is $1,000. Federally insured by NCUA.

2 *For qualified members. Offer valid for loan payments in June, July or August 2024. By skipping your loan payment by one month, you authorize Heritage Family Credit Union (HFCU) to extend your final loan payment. Finance charges will continue to accrue on your unpaid balance. Your account must be in good standing and have a minimum of 6 months of payments made to take advantage of this offer. The Credit Union reserves the right to determine if prior subsequent actions may disqualify your account. Should you request a Skip-A-Pay, you will be charged a $30.00 processing fee (per loan). A granted Skip-A-Pay entitles the member to skip one (1) month’s regular payment on the specified loan. The regular payment schedule will resume the month following the elected Skip-A-Pay month. Limit, one Skip-A-Pay granted per loan in a 6 month period, provided your HFCU accounts are in good standing. If your payments are processed through Automatic Clearing House (ACH), HFCU must receive your application 10 days prior to your loan payment due date. You also understand that if you have purchased a GAP policy through HFCU that you are only allowed 2 (two) Skip-A-Pays or deferments during the loan term for protection up to 125% LTV. Real Estate, Visa®, Mobile Homes and Business loans excluded. Federally insured by NCUA.

3 The views expressed in all testimonials are solely those of the individuals posting them. The testimonials are substantively the words of the individual reviewer, but may have undergone minor clerical revisions to ensure readability, add context, or protect private information.