//PRODUCTS & SERVICES
Prime Share Account
Your regular savings are called “shares” because you own your Credit Union and “shares” denote ownership. Thus each $25 you save in your Credit Union regular share account represents a share of ownership. It is only necessary to have one share to initiate your Membership.
Share Draft Accounts
A Share Draft Account is simply a Credit Union checking account. Share Draft Accounts make no demands on your pocketbook. There are no minimum balance requirements or monthly processing charges. In fact, Share Drafts even earn dividends. Members may request to have a Share Draft Account with or without overdraft protection.
ATM Cards
The Credit Union offers an ATM Card to Members who have a Prime Share account. This card is a traditional ATM. Members may use it free of charge at any of the over 28,000 ATMs in the nationwide CO-OP network.
ATM/Debit Cards
The Credit Union offers a multipurpose ATM/Check Card to Members who have a Share Draft account. This card will replace a traditional ATM card with enhanced features. Members may use it to sign for purchases anywhere they see the VISA logo and have the amount deducted from their Share Draft account, instead of writing a check.
Overdraft Line of Credit
All Members with a share draft (checking) account are eligible to apply for an automatic overdraft line of credit. For example, should you write a check for an amount your account does not have the funds to cover you will automatically receive a loan. All loans are advanced in increments of $100. You will be responsible for repaying your overdraft loan. A deposit to the share draft account will not pay off the loan.
Loans
Credit Union Members of thirty (30) days are eligible to apply for a loan. Loans may be repaid by payroll deduction, over the counter or set up to automatically transfer from your share account each month. Since interest is charged on the unpaid balance only, there is no penalty for early payment of your loan.
Emerald Visa Credit Cards – Classic Rate
The Emerald VISA Classic rate card is an ideal first card for students, a young couple or someone trying to establish credit. Visa Classic is simple, flexible, and recognized worldwide. Use Visa Classic for all of your everyday needs. We offer two options for the Emerald VISA Classic card. With a great rate and a free rewards program, you'll love the benefits of the Heritage Family Emerald Card. Credit limits are determined on a per member basis by the Loan Department.
Term Share Certificates
Term Share Certificates offer our Members a higher rate of return on their savings with the security of federal insurance. Terms are available starting at 90 days.
E-Branch Home Banking
E-branch Home Banking Members with internet access on their computer at home or work may log on to e-Branch Home Banking at www.hfcuvt.com, 7 days a week, 24 hours a day. Members are able to check balances, transfer funds, make loan payments and much more. There is no fee for this service.
E-Branch Bill Pay
Members may also access e-Branch Bill Pay at www.hfcuvt.com. For a small monthly fee Members can schedule bills to be paid without writing checks or buying stamps. Bill Pay only works with a Share Draft account.
E-Statements
Another member of our e-family of services, e-Statements allow you to obtain your monthly statement over the Internet. Looking the same as your printed statement, e-Statements arrive in your e-mail faster, usually the day after the period ends.
Coin Counting
Located in the Credit Union lobby, the coin counting machine allows Members to deposit their loose coin or change without the need for wrapping or counting. After counting is complete, the machine will give Members a receipt to be deposited in their account.
Foreign Currency
My Travel Wallet makes it easy and fun to get that currency at current market rates. Whether you're looking for Euro's, Canadian, or Deutche marks, we've got the link for you. From Antilles to Venezuela, foreign money acquisition was never easier.
MARS 24-hour Telephone Teller
M.A.R.S. (Member Audio Response System) is the Credit Union’s automated telephone teller. It is a free, convenient service that gives you immediate access to your account, 24 hours a day, 7 days a week. By using M.A.R.S. you are able to obtain account information, balances and perform transactions in the privacy of your home, at work, or even out of town.
Call Center
Local, friendly service from trained professionals to help with all of your credit union needs. Open normal business hours. Call toll-free 888.252.8932.
Notary Service
Free notary services for Members at all of our locations.
Financial Counseling
Even when times are tough, we are there for our Members. We have professionals trained in helping people recover from financial hardships without filing bankruptcy.
NCUA Insurance
All deposits at the Heritage Family Credit Union are federally insured to $250,000 by the National Credit Union Administration.
