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Closed for Christmas

All HFCU branches, drive-thrus, and HFCUVT Video Branch will close at 3:00pm on Tuesday, December 24 and will remain closed on Wednesday, December 25, for Christmas.

Our call center, eBranch and M.A.R.S are available 24/7.

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Credit & Debt

Personal loans can be a versatile financial tool, offering quick access to funds for a variety of needs, from debt consolidation to dream vacations.

Read More About Personal Loans

Our auto buying guide will help you make an informed decision when deciding between a new or used car.

Read More About Auto Buying

Learning the basics about auto loans and financing empowers you to navigate the car-buying journey and make informed decisions with confidence.

Read More About Auto Loan Financing

If you’re considering refinancing a vehicle, our comprehensive article details the pros and cons to help you make an informed decision.

Read More About Refinancing a Vehicle

Hidden costs on auto loans are common, whether you're buying a new or used car; while some, like sales tax, are non-negotiable, others can be avoided or minimized.

Read More About Hidden Auto Loan Costs

Understanding how credit cards work can help you make smart financial choices and manage your debt more effectively.

Read More About Credit Cards

Credit cards can be a powerful tool for building financial security, but using them responsibly and avoiding debt is key.

Read More About Credit Card Use

Your credit score is a numerical representation of your financial health and plays a crucial role in various aspects of your life.

Read More About Credit Scores

Combining multiple loans into a single debt consolidation loan can simplify finances, reduce monthly payments, and potentially lower interest rates.

Read More About Debt Consolidation Loans

Debt consolidation and debt relief programs offer potential solutions for individuals struggling to manage their finances.

Read More About Debt Options

Buy now pay later (BNPL) plans and credit cards are both payment options for in-store and online purchases, but they have distinct differences.

Learn More About Credit Cards vs. BNPL

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Spending & Saving

Creating a budget is the key to taking control of your money and achieving financial peace of mind when feeling overwhelmed by household finances.

Read More About Budgeting

Building an emergency fund is an important step toward protecting yourself and your family when unexpected financial difficulties arise.

Read More About Building An Emergency Fund

The financial aspects of preparing for parenthood can feel overwhelming, but with the right guidance, navigating the journey doesn't have to be stressful.

Read More About Preparing for Parenthood

Deciding whether to open a joint checking account involves careful consideration from all parties involved in the financial relationship.

Read More About Joint Checking Accounts

Maximizing your savings is essential for achieving your financial goals; by taking some simple steps, you can grow your wealth and invest in your future.

Read More About Maximizing Your Savings

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Home

While the prospect of owning your first home is exciting, it's also natural to feel some trepidation, especially when going through the mortgage process.

Read More about First-Time Homebuyers

Understanding the differences between a home equity loan and a HELOC helps you make informed financial decisions and choose the right solution for your needs.

Read More About HELOCs & HE Loans

A home equity loan can be a viable solution for homeowners to consolidate multiple debts into a single, lower-interest monthly payment.

Read More about HELOCs and Debt Consolidation

Unlocking the potential of your home's equity through a Home Equity Line of Credit (HELOC) can provide homeowners with financial flexibility.

Read more about the HELOC Application Process

Understanding how lower interest rates can impact your mortgage is imperative for current homeowners and those looking to buy.

Read More about Interest Rates and Mortgages

The mortgage pre-approval process can seem challenging, but it's an important step in your home buying journey that can give you an edge in a competitive market.

Read More About the Mortgage Pre-Approval Process

Building your dream home? This guide will walk you through the process of obtaining a construction loan, from understanding the basics to securing the best rates.

Read More About Building Your Dream Home

Couple Relaxing Near Their RV

Lifestyle

Credit unions go beyond standard banking, offering lower fees on loans, higher interest rates on accounts, and more personalized member benefits.

Read More About Credit Unions

Navigate the process of buying and financing a new or used RV and turn your travel dreams into reality with help from Heritage Family Credit Union.

Read More About Buying an RV

Tax season is just around the corner. This article will help you get a head start by providing step-by-step guidance and helpful preparation tips.

Read More About Getting Ready for Tax Season

A tax refund can be a welcome surprise. But instead of impulsively spending it, consider using it to achieve some of your goals. Whether you're looking to bolster your savings, pay off debt, or invest in your home, your tax refund can be a valuable asset. Here are a few smart ways to use your tax refund to improve your financial future.

Read More About Making the Most of Tax Refunds

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Business

Running a small business or non-profit requires careful financial management, and choosing the right credit union can make a significant difference. Credit unions offer several advantages tailored to specific small business needs.

Read More About SMALL BUSINESSES

Effectively managing your cash flow is essential for any small business, and a credit card, when used strategically, can be a powerful tool.

Read More About Business Credit Cards

Grants can be a valuable source of funding for small businesses and nonprofits, helping them achieve their goals and make a positive impact.

Read More About Grant Writing

Worried Senior Woman Looks at Phone

Fraud Prevention

You could be a victim of Cryptocurrency fraud – even if you’ve never dreamed of investing in it. The hallmark of a good scammer is the ability to convince you to do something you never thought you’d do.

Read more about Cryptocurrency Fraud

Have you ever received a request to purchase gift cards to go towards fees, help in an emergency, or protect your accounts? If so, you received a fraudulent request.

Read about gift card scams

Please never click on links that are unexpected or unsolicited, even if it’s from a supposed trusted source.

read about text message scams

Home Warranty scams are abundant and many send a “final notice” letter about important matters regarding their mortgage. 

read about home warranty scams