Heritage Family Credit Union- Personal Loans March 2025

Personal Loans

Your life is more than a loan to us.

Woman smiling while looking at her laptop from home

When you apply for a loan, you shouldn’t feel alone

Numbers are what you put on an application. You should never feel like one. Why settle for a lending process that makes your hopes and dreams feel like just another transaction?

Apply for a Loan, Get a Partner

When you apply for a loan with us, the HFCU process is fast and friendly. Our lending specialists are with you every step of the way, helping you find the best fit for your future goals.

Table data for Consumer Loan Rates
Effective 04-30-2025
Account Type ¹	APR as low as ²	Term	Payment Per $1,000 ³
Unsecured	10.70%	60 Months	$21.61

Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

Apply for My Personal Loan

Unsecured personal loan terms range from 1 to 60 months. There is no penalty for early repayment. There is a minimum amount of $500.00 per loan request. Total cost of a $500.00 loan at a term of 12 months with an Annual Percentage Rate (APR) of 10.70% would be $531.34, with a monthly payment of $44.28. Maximum APR for unsecured personal loans is 18.00%. Total cost of a $10,000.00 loan at a term of 60 months with an APR of 18.00% would be $15,329.37, with a monthly payment of $255.50. A member may opt to add debt protection coverage to protect their loan which would incur additional charges not included in these examples.

FAST LOANS, FEWER QUESTIONS

Personal loans are just that – personal. So, we don’t ask a lot of questions. Instead, we focus on getting you the money you need quickly with loan features like:

Easy online application

Getting a loan with HFCU is simple and stress-free.

No fee to apply

Save money from the start with no application fee.

No pre-payment penalty

We won’t punish you for paying off your loan faster.

Low interest rates

Our rates are among the very best in the business.

Flexible terms

We’ll find the best fit for your finances and future.

Convenient payment options

Pay your way online, by mail, in person, and more.

FINANCING THAT FITS

Stop stressing and start achieving your goals with financing that fits your life and your budget. Personalized loans can be used to help pay for everyday situations such as:

● Emergencies ● Holidays ● Heating costs ● Major purchases ● Medical bills ● Vacations ●

Becoming an HFCU member is easy, and we make applying for a loan as simple and straightforward as possible.

Yes! I’m Ready to Apply

Our Members. Our Commitment.

When it comes to something as personal as a loan, it’s all about trust. At HFCU, the trust our members place in us and our broader commitment to the communities we serve are two responsibilities that have been our number one priority since our founding in 1956.

HFCU is honored to be recognized by readers of the Bennington Banner/Manchester Journal, Lakes Region Free Press and the Rutland Herald as Best Credit Union in their readership areas. 

The Lakes Region Best of 2024 Winner Logo

Rutland Herald Best of the Best 2024 Winner Logo

I'm Ready to Apply

Disclosures

¹ APR = Annual Percentage Rate. Advertised rates are “as low as” and are available to credit union members in good standing. Actual rate will vary and is dependent on a review of your credit qualifications. Rate subject to change without notice. Initial $25.00 deposit for membership required.

² APR = Annual Percentage Rate.

³ All rates subject to change without notice. Initial $25.00 deposit for membership required. Additional restrictions apply.

⁴ The information provided by this calculator is not guaranteed and is for educational purposes only. Your loan details may differ and will be subject to credit approval.