Credit union · NCUA insured
Heritage Family Credit Union
A $852.9M credit union headquartered in Rutland, VT, with 54,726 members and 12 branches in 3 states. Best rates: CDs 3.25% and savings 1.30% APY.
Heritage Family Credit Union Carrot Score
83
Carrot Score
Higher than 62% of U.S. banks and credit unions
#4 of 8 in Rutland, VT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Heritage Family Credit Union
Founded in 1956 by a group of GE employees in Ludlow, Vermont, Heritage Family Credit Union began with $800 in deposits.
The credit union operates as a member-owned not-for-profit cooperative governed by an elected volunteer board of directors.
Heritage Family Credit Union operates 11 branch locations and serves members across Vermont, New Hampshire, New York, and Massachusetts.
- Headquarters
- 26 Allen St, Rutland, VT 05701
- NCUA charter
- 24742
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Businesses that are members of an organization within the field of membership, regularly conduct business in one of the municipalities, or are located/headquartered in one of the field of membership municipalities are eligible for business membership.
- Individuals who live, work, worship, attend school, volunteer, regularly conduct business, or are a member of an organization within the specified field of membership in Vermont, New Hampshire, New York, or Massachusetts are eligible for membership.
Family and household
- Individuals who are immediate family members of a current member or live in a household with a current member are eligible for membership.
- Surviving spouses of members who passed away while in the credit union's field of membership are eligible for membership.
Cost to join
- Membership requires an initial share deposit of $25 into an account as a member's ownership share in the credit union.
Branches
12 branches in 3 states
Loading map…
Vermont
10 branches
Rutland area · 5
- 1340 Franklin St1340 Franklin St, Brandon, VT 05733Directions
- Branch Office643 Main St, Castleton, VT 05735Directions
- Branch Office67 Washington St, Fair Haven, VT 05743Directions
- Branch50 West St, Rutland, VT 05701Directions
- Branch Office30 Allen St, Rutland, VT 05701Directions
Bennington area · 3
- Bennington Branch85 Washington Ave, Bennington, VT 05201Directions
- Student Branch Office321 Park St, Bennington, VT 05201Directions
- Branch Office11 Baker Farm Rd, Manchester Center, VT 05255Directions
Lebanon area · 1
- Branch Office198 Main St, Ludlow, VT 05149Directions
Brattleboro area · 1
- Branch Office2826 VT Route 100, South Londonderry, VT 05155Directions
New Hampshire
1 branch
- Hooksett Branch1337 Hooksett Rd, Hooksett, NH 03106Directions
New York
1 branch
- Hoosick Falls28 Church St, Hoosick Falls, NY 12090Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.08% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.86% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.02% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $86 | $76 | — |
- CapitalNet worth ratio12.08%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.86%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.02%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$86Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Heritage Family Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.