Skip to main content
Open My Account
Apply for a Loan

Home Page

What is your financial Goal?

Let us help you find the best content to personalize your visit.

Reset your interest

Roofs Over Rutland

Roofs Over Rutland

Heritage Family Credit Union (HFCU), in partnership with the City of Rutland and the Vermont Treasurer's Office, has developed Roofs Over Rutland to increase availability of housing in Rutland.

The program provides a variety of lower-rate products to help individuals and developers create new housing that is priced on par with current home values. Products range from business lines of credit to residential home equity loans, construction and renovation loans.

Learn More & Apply

Member Testimonials

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."

1

Soak up the sun & fun! Skip your July or August payment and enjoy the extra cash. Skip A Pay

Skip-A-Pay

Soak up the sun & fun! Skip your July or August payment & enjoy the extra cash! For qualified members. 2

Download the skip-a-pay Form

Now Hiring - VP Controller

We have an exciting opportunity to join our senior leadership team as HFCU's next VP Controller.

This seasoned professional will not only be responsible for financial planning, reporting, and analysis, but will also provide critical oversight by maintaining sound accounting practices, managing risk, and implementing strategies that align with HFCU’s long-term financial goals. Learn more about this and other open positions by visiting the links below.

Disclosures

1 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.

2 For qualified members. Offer valid for loan payments in July or August 2025. 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.