Join Heritage Family Credit Union Today! With a low $25 minimum opening deposit, you can take the first step toward financial independence Heritage Family Credit Union is a not-for-profit federally chartered coop that is owned by its members for the purpose of promoting thrift. That means profits generated go back into the credit union for improvements to services, financial reserves, higher savings rates and lower loan rates. As a member of Heritage Family Credit Union, you have access to a full array of products and services designed to help you save time, money and satisfy your financial goals. HFCU is constantly looking for new and better ways to provide our members with the most current, convenient and beneficial services.