Heritage Family Federal Credit Union

Headquarters

30 Allen St
Rutland, VT 05701
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 5.50% →
1-Year CD 0.65% 4.80% →
2-Year CD 0.75% 4.25% →
5-Year CD N.A. 4.00% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

Reviewed by Cat22 | January 6, 2022 |

Their problem is their CEO, Matt. I recently met with one of their bankers to send a wire to my Fidelity investment account. An hour later the banker called me to tell me that my wire had been cancelled and all of my money was "on hold" for 10 days. Being frustrated and confused, I had a phone conversation with CEO Matt. He was extremely arrogant and condescending. In his own words, he profiled me as a scammer. In my 63 years, I've never been in trouble with the law with the exception of a few traffic tickets. So, I went to VSECU and opened accounts there. They treated me like an important and valued customer. I will be closing my accounts at Heritage and moving all of my money to VSECU. I feel sorry for the Heritage employees who have to work for such a vile man.


2024 Overview

General Credit Union Information

Heritage Family is an NCUA insured institution located in Rutland, VT. It was founded in 1956 and has approximately $757.14 millions in assets.

Who can join?

You are eligible to join the Heritage Family Credit Union if you live, work, worship or do business in any of the following communities: Rutland, Addison, Bennington, Windsor or Windham counties. People who live, work worship or do business in Hooksett, N.H. are also eligible to become Members.

In addition, as a member of the credit union, each of your family related by blood, marriage or adoption (i.e., sister, spouse, grandmother, great aunt, stepchild, etc.) is entitled to join the Credit Union and take advantage of the Credit Union services.

NCUA Insured Yes / Federally Chartered
Charter Number # # 24742
Date Established 1956
Assets $757.14 million
Loans $536.13 million
Deposits $621.50 million
Capital $86.56 million
 

Field of Membership Restrictions

Membership is open to those who live, work, worship, go to school, or do business in Rutland, Addison, Bennington, Windsor or Windham county in Vermont or in Hooksett, N.H.

Deposit Rates - November 26, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.15% $2,500 $4,999 Learn More
Money Market
0.20% $2,500 $2,999 Learn More
Money Market
0.20% $10,000 $14,999 Learn More
Money Market
0.30% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.55% $10,000 $14,999 Learn More
6 Mo CD
0.55% $100,000 $199,999 Learn More
12 Mo CD
0.65% $10,000 $14,999 Learn More
12 Mo CD
0.65% $100,000 $199,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More
36 Mo CD
0.85% $10,000 $14,999 Learn More
36 Mo CD
0.85% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
Var IRA
0.20% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - November 26, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Heritage Family

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Pure Rate Mortgage
NMLS ID: 2578474
6.368% 6.250% 0.88 $4,010 $1,971 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.710% 6.625% 0.63 $2,818 $2,049 Learn More
PenFed Credit Union
NMLS ID: 401822
7.034% 6.875% 1.00 $5,195 $2,103 Learn More
Rocket Mortgage
NMLS ID: 3030
7.212% 7.125% 0.88 $2,800 $2,156 Learn More

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
Intro APR
7.240 %
After Intro: 7.240 %
$0 Learn More
More Info

Note to Heritage Family
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are Heritage Family branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio



Climate Policy and Initiatives

HERITAGE FAMILY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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Financial Details

Heritage Family Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Heritage Family. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Heritage Family U.S. Average
2.26% 5.83

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2024, Heritage Family had $1,781,851 in non-current loans and $261,089 in owned assets. To cover these potential losses it had $86,557,166 in net worth and $3,749,085 in loans loss reserves. That gives it a Texas Ratio of 2.26%.

Net Worth
Heritage Family U.S. Average
11.42% 13.93%

Heritage Family FCU has a net worth of 11.42% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for Heritage Family


  • January 6, 2022 |

    Their problem is their CEO, Matt. I recently met with one of their bankers to send a wire to my Fidelity investment account. An hour later the banker called me to tell me that my wire had been cancelled and all of my money was "on hold" for 10 days. Being frustrated and confused, I had a phone conversation with CEO Matt. He was extremely arrogant and condescending. In his own words, he profiled me as a scammer. In my 63 years, I've never been in trouble with the law with the exception of a few traffic tickets. So, I went to VSECU and opened accounts there. They treated me like an important and valued customer. I will be closing my accounts at Heritage and moving all of my money to VSECU. I feel sorry for the Heritage employees who have to work for such a vile man.


Add Your Review


or use your BestCashCow account

or