HERITAGE FAMILY

30 ALLEN ST
Rutland, VT 05701

Notable Rates APY Vs.Others
Savings 0.40% 2.30% →
1-Year CD 1.75% 2.25% →
2-Year CD 2.25% 2.50% →
5-Year CD N.A. 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Credit Union Information

Heritage Family is an NCUA insured institution located in Rutland, VT. It was founded in 1956 and has approximately $504.35 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
Charter Number # # 24742
Date Established 1956
Assets $504.35 million
Loans $407.46 million
Deposits $440.82 million
Capital $51.77 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 - December 6, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.45% $1,000 $19,999 Learn MoreShow Less
Money Market
0.65% $20,000 $34,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
1.40% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.65% $1,000 - Learn MoreShow Less
6 Mo CD
1.15% $1,000 - Learn MoreShow Less
12 Mo CD
1.75% $1,000 - Learn MoreShow Less
24 Mo CD
2.25% $1,000 - Learn MoreShow Less
36 Mo CD
2.35% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.60% $500 - Learn MoreShow Less

Loan Rates - December 6, 2019

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.625% 3.625% 0.00 ($65) $1,141 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
First Internet Bank
NMLS ID: 424182
3.626% 3.625% 0.00 $42 $1,141 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$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:
Fairfield,Connecticut


Heritage Family Locations


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
3.93% 5.86

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, 2019, Heritage Family had $1,732,342 in non-current loans and $481,983 in owned assets. To cover these potential losses it had $51,767,950 in net worth and $4,545,397 in loans loss reserves. That gives it a Texas Ratio of 3.93%.

Net Worth
Heritage Family U.S. Average
10.26% 13.65%

Heritage Family FCU has a net worth of 10.26% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Heritage Family

Branches and Savings

What is Heritage Family?

A federal credit union, registered with the NCUA under certificate #24742.
Learn more about credit unions here.

Is Heritage Family FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Heritage Family?

Please see Field of Membership information above for information on who is eligible to join.

What are Heritage Family's share account and share certificate rates?

Heritage Family's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Heritage Family?

Heritage Family has total capital of $51.77 million. Full information on Heritage Family's financial position is located above.

Who owns Heritage Family?

Credit Unions are owned by their members.

Where are Heritage Family branches located?

See branch locations nearby.

Are Heritage Family ATMs Open 24/7?

Do Heritage Family ATMs accept cash deposits?

Can Heritage Family customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Heritage Family have a mobile app?

Does Heritage Family have mobile deposit?

Does Heritage Family have quick pay?

How can Heritage Family transfer money to other banks or credit unions?

Does Heritage Family report to credit bureaus?

Does Heritage Family use Chexsystems?

Does Heritage Family use Equifax?

What is Heritage Family's toll free phone number?

What is Heritage Family's ACH Routing Number?

What is Heritage Family's SWIFT code?

Where can I find Heritage Family's wire transfer form?

What is the Heritage Family address for deposits?

What Products Does Heritage Family Offer

Does Heritage Family offer mortgages?

Compare mortgage rates here.

Does Heritage Family offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Heritage Family offer auto and RV loans?

Compare auto loan rates here.

Does Heritage Family offer student loans or personal loans?

Compare personal loan rates here.

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