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# Loan Rates
Table data for
 Effective 01-24-2025
| Account Type  | APR as low as  | Term | Payment per $1,000  | 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. | | | |
| Term  | APR as low as  | Payment Per $1,000  | 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. | | |
| Account Type  | APR as low as  | Term | Payment Per $1,000  | 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% |  |  |  |
| Account Type | Promotional APR as low as  | Promotional Term | Payment Per $1,000  | Alert Me |
| Home Equity Line of Credit  | 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. |  |
| Account Type | APR as low as  | Term | Payment Per $1,000  | 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 |  |
| Account Type  | APR  | 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. | |
### 
* * * 
Disclosures
+ Expand
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, as low as the Prime rate as published by the Wall Street Journal. Actual promotional rate 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 
Return
Heritage Family Credit Union serves members in Vermont, New Hampshire, New York, and Massachusetts, with a full line of personal and business accounts; mortgages, home equity loans, credit cards, auto loans, commercial real estate, and more.
This credit union is federally insured by the National Credit Union Administration.
About Us
Resources
* *Routing Number: 211691318*
* *NMLS: #241795*
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* **888.252.8932**
©2025 All Rights Reserved. Heritage Family Credit Union
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# Business Rates
| Business Share Type | APY  | Rate  | Alert Me |
| Business Primary Share | .25% | .25% |  |
| Business Special Purpose Accounts | .25% | .25% |  |
| Balance | APY  | Rate  | Alert Me |
| $0 - $2,500 | No dividends | No dividends |  |
| $2,500 - $5,000 | .10% | .10% |  |
| $5,000 and above | .20% | .20% |  |
| Account Type  | APY  | Rate  | Alert Me |
| Business Non-Profit Share Draft Account | .15% | .15% |  |
| Business Money Market Tier  | APY  | Rate  | Alert Me |
| $1,000 - $19,999.99 | 1.30% | 1.29% |  |
| $20,000 - $34,999.99 | 1.55% | 1.54% |  |
| $35,000 - $49,999.99 | 1.70% | 1.69% |  |
| $50,000 & Above | 2.00% | 1.98% |  |
| Business Term Share Certificate Term | APY  | Rate  | Alert Me |
| 3 month | 3.25% | 3.20% |  |
| 6 month | 3.00% | 2.96% |  |
| 12 month | 3.50% | 3.45% |  |
| 24 month | 2.80% | 2.76% |  |
| 36 month | 2.65% | 2.62% |  |
| Business Flex Savings | APY  | Rate  | Alert Me |
| Business Flex Savings Account  | 2.00% | 1.98% |  |
| Business Visa | Prime + 6% Adj.  |  |
1 APY = Annual Percentage Yield.
2 All rates subject to change without notice.
3 For share draft accounts, no limitations apply.
4 All rates subject to change without notice. For all accounts, the Credit Union may limit all cash withdrawals to $2,000.00 per day.
5 For days that your balance falls and/or remains below $1,000 you will not earn dividends for that day.
6 All rates subject to change without notice. The minimum starting deposit for all Term Share Certificates is $1,000. For all Term Share Certificates, after your account is opened, you may make withdrawals subject to the early withdrawal penalty outlined in the disclosure.
7 APR = Annual Percentage Rate.
8 Business Visa rates: variable prime+6% APR (the annual percentage rate may vary after the account is opened). The Annual Percentage Rate (APR) is calculated as the Prime rate as published in the Wall Street Journal plus 6%.
Become a Member
The purpose of Heritage Family Credit Union is to provide friendly, personable, high quality services for the entire family. We’re committed to helping our members achieve their financial goals through products designed to meet their needs.
# Become a Member
#### Member OWNER
Your share of membership requires a $25 initial deposit into an account, which is a member's ownership share in the credit union.
#### No minimum balance
No minimum balance requirements on savings or checking accounts.
#### FREE eSTATEMENT DELIVERY
Protect your information by keeping your documents securely in one place.
### Where your family is our family
We're a credit union that is locally owned, operated, and focused on you.
## Member Eligibility
You live, work, worship, attend school, volunteer, regularly conduct business, or are a member of an organization within our 
You are an immediate family member of or live in a household with a current member
You are the surviving spouse of a member who passed away while in the 
## Business Membership Eligibility
Your business is a member of an organization within the 
Regularly conduct business in  (this is business to business or business to consumer trade)
Businesses located in or headquartered in 
Download our  for further information on what is needed when opening a business account.
## FIELD OF MEMBERSHIP
Vermont
**Rutland County**
New Hampshire
**Cheshire County**
Alstead, Chesterfield, Dublin, Fitzwilliam, Gilsum, Harrisville, Hinsdale, Jaffrey, Keene, Malborough, Marlow, Nelson, Richmond, Rindge, Roxbury, Stoddard, Sullivan, Surry, Swanzey, Troy, Walpole, Westmoreland, Winchester
**Hillsborough County**
Antrim, Bedford, Bennington, Derring, Francestown, Goffstown, Greenfield, Hancock, Hillsborough, Manchester, New Boston, Weare, Windsor
**Merrimack County**
Allenstown, Andover, Boscawen, Bow, Bradford, Canterbury, Chichester, Concord, Danbury, Dunbarton, Epsom, Franklin, Henniker, Hill, Hooksett, Hopkinton, Loudon, New London, Newbury, Northfield, Pembroke, Pittsfield, Salisbury, Sutton, Warner, Webster, Wilmot
**Rockingham County**
Auburn, Chester, Candia, Raymond, Deerfield, Nottingham, Northwood
**Sullivan County**
Acworth, Charlestown, Claremont, Cornish, Croydon, Goshen, Grantham, Langdon, Lempster, Newport, Plainfield, Springfield, Sunapee, Unity, Washington
New York
**Washington County**
Cambridge, Dresden, Granville, Hampton, Hartford, Hebron, Jackson, Putnam, Salem, White Creek, Whitehall
**Rensselaer County**
Berlin, Grafton, Hoosick, Petersburgh, Pittstown, Stephentown
Massachusetts
**Berkshire County**
Adams, Clarksburg, Florida, New Ashford, North Adams, Savoy, Williamstown
**Franklin County**
Bernardston, Buckland, Charlemont, Colrain, Erving, Gill, Hawley, Heath, Leyden, Monroe, Northfield, Rowe, Warwick