Credit union · NCUA insured
Heritage Family Credit Union Credit Card Rates
Heritage Family Credit Union credit cards start at 9.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Heritage Family Credit Union’s credit card rates compare
Compared with banks and credit unions near Rutland, VT, where Heritage Family Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Heritage Family Credit Union
9.99%APR
Visa Gold
2nd-lowest rate
Vermont Federal Credit Union
10.70%APR
3rd-lowest rate
EastRise Credit Union
10.75%APR
Heritage Family Credit Union credit card score
82
Credit card score
Higher than 58% of U.S. banks and credit unions
- Purchase APRPurchase APR9.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Heritage Family Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Classic
Initial $25 deposit for membership required. Underwriting and creditworthiness requirements apply. CURewards program included.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.90% | None | Non-variable APR. Same low rates on all purchases, including cash advances. No fee balance transfers. No annual fee. Rate based on creditworthiness. |
Sources (2)
All captured Oct 22, 2026
Visa Gold
Initial $25 deposit for membership required. Underwriting and creditworthiness requirements apply. CURewards program included.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.99% | None | Non-variable APR. Same low rates on all purchases, including cash advances. No fee balance transfers. No annual fee. Rate based on creditworthiness. |
Sources (2)
All captured Oct 22, 2026
Who can join Heritage Family Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 4, 2026.