Heritage Family Federal Credit Union
Headquarters
30 Allen St
Rutland, VT 05701
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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 $738.81 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 | $738.81 million |
| Loans | $527.29 million |
| Deposits | $608.02 million |
| Capital | $83.56 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 - April 18, 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 |
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|
|
Money Market
|
0.20% | $2,500 | $2,999 |
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|
|
Money Market
|
0.20% | $10,000 | $14,999 |
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|
|
Money Market
|
0.30% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.20% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $1 | $99 | Learn More |
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - April 18, 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 |
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|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.787% | 6.750% | 0.38 | $1,203 | $2,076 | Learn More |
NMLS ID: 3030 |
7.350% | 7.250% | 1.00 | $3,200 | $2,183 | Learn More |
NMLS ID: 491986 |
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NMLS ID: 1907 |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Heritage Family
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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 |
|---|---|
| 6.16% | 6.97 |
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 December 31, 2023, Heritage Family had $5,175,807 in non-current loans and $204,801 in owned assets. To cover these potential losses it had $83,556,301 in net worth and $3,749,085 in loans loss reserves. That gives it a Texas Ratio of 6.16%.
Net Worth
| Heritage Family | U.S. Average |
|---|---|
| 11.3% | 13.62% |
Heritage Family FCU has a net worth of 11.3% versus the BestCashCow average of 13.62. 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
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.
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