Rutland, VT 05701
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Notable Rates APY Vs.Others
Savings 0.15% 1.20% →
1-Year CD 0.65% 1.10% →
2-Year CD 0.75% 1.15% →
5-Year CD N.A. 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Heritage Family is an NCUA insured institution located in Rutland, VT. It was founded in 1956 and has approximately $525.89 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 $525.89 million
Loans $398.41 million
Deposits $464.75 million
Capital $54.24 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 - August 4, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
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
3 Mo CD
0.35% $10,000 $14,999 Learn More
3 Mo CD
0.35% $100,000 $199,999 Learn More
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
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 - August 4, 2020

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.368% 3.250% 1.00 $3,750 $1,089 Learn More
NMLS ID: 2890
License#: MC-3098
2.930% 2.875% 0.75 $1,762 $1,038 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

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


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:

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
17.45% 6.71

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 March 30, 2020, Heritage Family had $6,893,409 in non-current loans and $3,271,109 in owned assets. To cover these potential losses it had $54,239,500 in net worth and $4,015,116 in loans loss reserves. That gives it a Texas Ratio of 17.45%.

Net Worth
Heritage Family U.S. Average
10.31% 13.61%

Heritage Family FCU has a net worth of 10.31% versus the BestCashCow average of 13.61. 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 $54.24 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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