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iAdvertiser Disclosure
Advertiser Disclosure
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 Heritage Family Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 6, 2026
Heritage Family Federal Credit Union's Premier Term CD 12 Month rates are at 4.00%, 12 Month CD rates are at 3.50%, IRA Term CDs 12 Month rates are at 3.50%, Premier Term CD 18 Month rates are at 3.30%, Premier Term CD 24 Month rates are at 3.20%. Heritage Family Federal Credit Union's savings rates are at 0.25%. Heritage Family Federal Credit Union's money market rates are at 1.30%. MonitorBankRates evaluates the financial stability of Heritage Family Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.44%. Rates were last updated on 04/06/2026. Heritage Family Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Heritage Family Federal Credit Union? Share your experience about Heritage Family Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Heritage Family Federal Credit Union. Heritage Family Federal Credit Union
Operations Center 26 Allen St
https://www.hfcuvt.com Rutland, VT 05701 
Heritage Family Federal Credit Union CD Rates
Heritage Family Federal Credit Union Savings Rates
Heritage Family Federal Credit Union Money Market Rates
Heritage Family Federal Credit Union Checking Rates
Heritage Family Federal Credit Union Mortgage Rates
Heritage Family Federal Credit Union Home Equity & HELOC
Heritage Family Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Heritage Family Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Heritage Family Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Heritage Family Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Heritage Family Federal Credit Union
Website
https://www.hfcuvt.com
Address
26 Allen St,
Rutland, VT 05701
Phone
802-775-4930
Fax
President
Paul Carroccio
CEO
Chris Gomez
Full-Time Employees
193
Part-Time Employees
2
Branch Locations
13
ATM Locations
16
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.44%
Return on Assets (ROA)
0.7747%
Return on Equity (ROE)
6.3636%
Non-Performing Loans Ratio (NPL)
0.56%
Total Assets
812,319,410
Total Amount of Shares and Deposits
684,540,988
Total Shares and Deposits < 1 Year
671,071,077
Total Shares and Deposits 1 3 Years
13,401,781
Total Shares and Deposits > 3 Years
68,130
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
41,401,104
Total Uninsured Shares and Deposits > $250K (F+J)
41,401,104
Total Insured Shares and Deposits > $250K (item 17 less item K)
643,139,884
Total Interest Expense (Sum of items 6 8)
6,744,040
Share Certificates
4,187
Number of Accounts for Share Drafts
29,132
IRA KEOGH Accounts
1,020
Number of Accounts for Regular Shares
65,739
All other shares
859
Money Market Shares
1,464
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
22,074,356
Total Liabilities
727,186,215
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Heritage Family Federal Credit UnionIs Heritage Family Federal Credit Union a safe place to deposit money?Yes, Heritage Family Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 3.441864466714%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Heritage Family Federal Credit Union operate?Heritage Family Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Heritage Family Federal Credit Union?Yes, to access services at Heritage Family Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Heritage Family Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Heritage Family Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Heritage Family Federal Credit Union offer online and mobile banking?Most modern institutions like Heritage Family Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.hfcuvt.com. Current Heritage Family Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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