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Welcome Tri State Area FCU Members to Heritage Family Credit Union!

Now that the banking system transition is complete, we want to officially welcome you to HFCU! We’ve prepared a wide range of resources to make settling into your new financial home a little easier. If you have any questions, please do not hesitate to let a member of your branch team know or call us at 888.252.8932.

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Loan Rates

Table data for Auto Loans & Other Secured Consumer Loans
 Effective 04-03-2025
Account Type 1 APR as low as 2 Term Payment per $1,000 3 Alert Me
Secured - 24 months 5.75% 24 months $44.34
Secured - 36 months 6.00% 36 months $30.52
Secured - 48 months 6.25% 48 months $23.68
Secured - 60 months 6.50% 60 months $19.63
Secured - 72 months 7.00% 72 months $17.11
Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

Table data for Motorcycle, RV, Boat & Other Toy Loans
 
Term 4 APR as low as 2 Payment Per $1,000 3 Alert Me
24 months 6.75% $44.81
36 Months 7.00% $30.99
48 Months 7.25% $24.15
60 Months 7.50% $20.12
72 Months 8.00% $17.61
Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

Table data for Consumer Loan Rates
 Effective 04-03-2025
Account Type 1 APR as low as 2 Term Payment Per $1,000 3 Alert Me
Unsecured 10.70% 60 Months $21.61
Unsecured Energy Efficiency 7.70% 84 Months $15.45
Secured Solar Loan 7.25% 180 Months Call
Certificate Secured Certificate Rate + 3% Adj.
Share Secured Share Rate + 3% Adj.
Overdraft Protection 15.00%
Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

Table data for Home Equity Line of Credit
 Effective 04-03-2025
Account Type Promotional APR as low as 5 Promotional Term Payment Per $1,000 3 Alert Me
Home Equity Line of Credit 6 5.75% Adj. 24 Months Payment Example: a $50,000 line of credit at 8.25% APR for 180 months would be approximately $485.00 a month.
Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

Table data for Home Equity Loan
 Effective 04-03-2025
Account Type APR as low as 2 Term Payment Per $1,000 3 Alert Me
Home Equity Loan 6.00% 84 Months Payment Example: 60 monthly payments of $19.33 per $1,000 borrowed at 6.00% APR
Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

Mortgage Rates are Available

Table data for Visa® Card Rates
 Effective 04-03-2025
Account Type 7 APR 2 Alert Me
Platinum Prime + 4% Adj.
Gold 9.99%
Classic 12.90%
Please click on footnotes within the table or visit the bottom of the page to review important disclosures.

View Full Visa Disclosures

Rates

Rates

Disclosures

1 Rates "as low as." Rate based on your credit history. Add 1.00% APR for non-vehicle (motorcycles, ATVs, snowmobiles, side by sides, RVs, campers, boats, etc.) secured loans. Actual rate may be higher.

2 APR = Annual Percentage Rate.

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

4 Rates "as low as." Rate based on your credit history. Includes added 1.00% APR for non-vehicle (motorcycles, ATVs, snowmobiles, side by sides, RVs, campers, boats, etc.) secured loans. Actual rate may be higher.

5 APR = Annual Percentage Rate. Promotional APR is subject to credit approval and will terminate at the end of the 24-month promotional period. Non promotional rates are variable and subject to credit qualifications and will be indexed to the Prime Rate published in the Wall Street Journal (7.50% as of 12.19.2024). Rates take effect the first day of the following month, subject to a maximum APR of 18%. Promotional offer subject to change or terminate at the discretion of HFCU. Additional terms and conditions may apply. Call 888.252.8932 or see below for details. Loan payment example for a $50,000 line of credit at 8.25% APR for 180 months would be approximately $485.00 a month.

6 Rates "as low as." Introductory APR is applicable for the first 24 monthly billing cycles. After 24 month promotional period ends, rate automatically adjusts to a variable interest rate, based on the Prime rate as published by the Wall Street Journal. Lowest possible rate is 4.00% Annual Percentage Rate (APR) if the WSJ Prime Rate allows that. Actual promotional rates and variable rates may be higher. All loans subject to approval.

7 All rates subject to change without notice. Initial $25 deposit for membership required. Additional restrictions apply. To read important Visa Credit Card disclosures, visit https://www.hfcuvt.com//content/docs/credit-card-application-and-solicitation-disclosure-9-2024.pdf