Owner s Manual.

Transcription

1 Owner s Manual

2 Our Mission The purpose of the Heritage Family Credit Union is to provide friendly, personable, high quality services for the entire family. The credit union will strive to offer convenient, cost effective services while maintaining financial stability. Locations Main Office Thirty Allen Street Rutland, VT Hooksett Branch 1337 Hooksett Road Hooksett, NH West Street Branch Fifty West Street Rutland, VT North Main Street Branch 230 North Main Street, Suite 8 Rutland, VT Londonderry Branch 2826 VT Route 100 South Londonderry, VT Fair Haven Branch 67 Washington Street Fair Haven, VT Bennington Branch 206 Pleasant Street Bennington, VT Brandon Branch 2 West Seminary Street Brandon, VT Ludlow Branch 198 Main Street Ludlow, VT M.A.R.S. M.A.R.S. is available 24 hours a day e-branch Our e-branch is open 24/7! Federally Insured by NCUA Rev 2/15

3 Local People Working Together Not just a customer Unlike other financial institutions, a credit union is owned and operated by the people it serves, with each member having one vote, regardless of the number of shares held. There are no stockholders to be driven only by profit this makes your credit union different from any other financial institution. Members are united by a common bond of association and democratically operate under credit union regulations. Eligibility Heritage Family Credit Union is a federally-chartered community credit union. You are eligible to join Heritage Family Credit Union if you live, work, worship, do business, or go to school in any of the following communities: Rutland, Addison, Bennington, Windsor or Windham counties, and the town of Hooksett, N.H. Contact a Financial Services Representative to see if you qualify for membership. In addition, as a member of the credit union, each of your family related by blood, marriage or adoption (i.e., sister, spouse, grandmother, great aunt, stepchild, etc.) is entitled to join the credit union and take advantage of credit union services. Good return and low rates The credit union is a member owned not-for-profit cooperative formed for the purpose of encouraging savings by offering a good return. The collective monies are used to make loans at competitively low interest rates to members, and provide a multitude of other financial services to our members. We are constantly looking for new and better ways to provide our members with the most current, convenient and beneficial financial services. Local leadership Your credit union s operation is the responsibility of the Board of Directors. In addition to the board, there are several committees which perform various duties to ensure quality service, and maintain safety and soundness. These committees include the Supervisory Committee and Loan Review Committee, which carry out the objectives established by the board. All of the Directors are volunteers, which are elected by the membership at the Annual Meeting held in the spring of each year.

4 Deposit insurance All deposits at the Heritage Family Credit Union are federally insured to at least $250,000 by the National Credit Union Administration. Certain accounts, such as IRA s and Keoghs, are insured separately up to $250,000. Copies of the NCUA brochure Your Insured Funds are available at each branch office and main office of the Credit Union and are also available upon request. Your Rights and Responsibilities You are a member and co-owner of this credit union. This is your financial co-operative and you have certain rights and responsibilities as member-owners. Your Rights Right to fair pricing: Our rates are set to reflect costs, ensure a financially sound credit union and provide benefits. There are no hidden costs or unadvertised special deals. Right to friendly, personable service: Our staff will strive to provide the highest quality personal service and correct any problems in an efficient, professional manner. Right to an equal vote: At our annual meeting and other member meetings, each member has an equal vote. Right to run for office: The Board of Directors are fellow members elected to represent members interests. Every member has the right to stand for election to the Board of Directors, which is voted upon at our annual meeting. Your Responsibilities Be aware of new products and procedures: You will make every effort to read the materials provided to members that explain or promote new credit union services and procedures. Use and promote your credit union: The more business you bring to the credit union, the stronger it becomes and the more each member benefits. Treat HFCU employees with respect: The staff are fellow members and deserve the same respect and dignity that we demand as service users. Protect the integrity of your account: Protect your accounts by not giving out account information to unknown parties and verify account information provided on statements, etc.

5 Saving for the Future The credit union offers a full range of savings and deposit accounts. The following accounts should help in meeting your deposit needs. A member may wish to designate another person as a joint owner of his or her account(s) by completing a joint owner card. Share (Savings) Accounts Your regular savings are called shares because you own your credit union and shares denote ownership. By opening a Primary Share Account, members qualify for all other credit union services. The minimum initial deposit to open a Primary Share Account is $ Club Accounts Club Accounts are a convenient way to set aside funds for the hard to budget items such as property taxes and fuel. Members may add to these accounts on a regular basis, through automated deductions or on an as needed basis. Holiday Accounts Holiday Accounts are the only Club Accounts with a specific purpose. Because holiday accounts are used to save for holiday purchases, they are set up a bit differently from regular club accounts. Holiday accounts are distributed to members in early October. Share Draft (Checking) Accounts Share Draft Accounts are transaction accounts which work in the same manner as bank checking accounts. Share Draft Accounts make no demands on your pocketbook. There are no minimum balance requirements or monthly processing charges. Members may request to have a Share Draft Account with or without overdraft protection. Heritage Family Credit Union offers two Share Draft accounts, Value Share Draft Accounts and Premier Share Draft Accounts. Value Share Draft Accounts are Heritage Family s basic free share draft account. Premier Share Draft Accounts are Heritage Family s fullyfeatured share draft account with fraud protection and credit report monitoring. There is a monthly fee for the Premier Share Draft Account.

6 Money Market Share Accounts Money Market Share Accounts (MMSAs) are savings vehicles offering higher rates of return than other savings accounts. You can obtain higher dividend rates than traditional Share and Share Draft Accounts and are allowed unlimited transfers via ATMs and in person. Dividend Disclosure: Your credit union pays dividends on Share, Share Draft and Club accounts as follows: Dividends are calculated on your daily balance and paid to the accounts on a monthly basis. The Board of Directors declares dividends each month. Federal law prohibits the credit union from paying dividends in excess of available earnings. Health Savings Accounts Health Savings Accounts (HSAs) are tax-friendly savings accounts that allow you to build a fund for future medical expenses that insurance may not cover. Anyone under 65 who is covered by a qualified High Deductible Health Plan (HDHP) and not another health insurance carrier or Medicare may be eligible to open an account. If you are claimed as a dependent by another person, you are not eligible to open an HSA. Other benefits: You will save money through lower premiums and tax breaks Money deposited into your account may be used to pay your deductible or other out-of-pocket expenses Spouses can inherit the account

7 You keep the account even if you change jobs, plans, or retire Access funds with checks or an HSA Debit Card Meeting Your Lending Needs The credit union offers a risk-based lending policy called Performance Plus Lending in order to offer the best possible rates based on each individual s financial performance or credit history. The rate you pay is determined by your credit score and term of the loan. Members may apply for any type of consumer loan or mortgage by logging onto our website at contacting the call center, or visiting any of our branches. Loans may be repaid over the counter, through home banking, or set up to automatically transfer from your account each month. Since interest is charged on the unpaid balance only, there is no penalty for early payment of your loan. Secured (Auto) Loans Secured Loans are loans in which the loan proceeds are utilized to purchase collateral and that collateral is pledged by the member as security for the loan. You may finance an array of goods, including automobiles, motorcycles, ATVs, boats and other recreational vehicles using a secured consumer loan. You may also secure a loan with an amount pledged in a Prime Share Account, Term Share Certificate or Stock Certificate. Because of the minimal risk involved, limited documentation is required for Share & Certificate Secured Loan requests. Emerald Visa Credit Cards Whether you are at the local grocery store or out on an island vacation, Emerald Visa cards give you the purchasing power you need when you need it... plus rewards! The credit union offers several great Emerald choices for you: Visa Platinum Rate, Visa Gold Rate, and Visa Classic Rate. All of our cards feature: Free rewards program reedemable for travel, merchandise and account credit Same low rates on all purchases including cash advances No fee for balance transfers True 25-day grace period on all purchases No rate increase if payment is late Free fraud protection, e-statements, and Verified by Visa Free MyCardInfo website Free member service calls 24 hours a day, 7 days a week Free $250,000 travel accident insurance

8 Free auto rental collision damage waiver program Free travel and emergency assistance program Free warranty manager service program To see what types of awards await you, please visit the rewards website at Unsecured (Signature) Loans You may borrow, without pledging any collateral, up to a predetermined Signature Limit based on certain lending criteria such as length of employment, credit score, debt-to-income ratio, residential status (renter or homeowner). Smart Option Student Loan by Sallie Mae Now you can pay for college the smart way with great repayment options! Together you can do this! Heritage Family Credit Union offers student loans through the Smart Option Student Loan by Sallie Mae. This is an ideal solution to help bridge that gap between federal loans and the cost of your education. The Smart Option Student Loan features and benefits include: Competitive interest rates Borrow up to 100% of school certified education costs (minimum $1,000) Multiple in-school repayment options available Borrower benefits available, like rewards and interest rate reductions Rates that reward creditworthy borrowers Applying with a creditworthy co-signor may help you qualify and/or receive a lower rate Fast online application. Our easy-to-complete application takes approximately 20 minutes. It is quick and easy. 24/7 online account management No prepayment penalty To learn more or to start the application process, visit Overdraft Protection Overdraft Protection is a line-of-credit to protect you from overdrawing your Share Draft Account. All members with a Share Draft (Checking) Account are eligible to apply for an automatic overdraft line-of-credit. This optional line-of-credit is like having a security blanket for your Share Draft Account. Share Transfer Transfer from a Share (Savings) Account to your checking account in the event of an overdraft. A fee applies to all transfers. Contact an FSR to set your account up for Share Transfers.

9 Mortgage Loans The credit union offers first and second Mortgages with a variety of rates and terms, and we are proud to service all of our mortgages locally. Our rates are very competitive and change on a daily basis. If you are looking for a new home, we encourage you to check with us for all of your mortgage needs. Home Equity Loans/Lines of Credit Heritage Family Credit Union offers Home Equity Loans and Home Equity Lines of Credit (HELOCs) to our members at super-competitive rates. Do you know the difference between Home Equity Loans and HELOCs? Both types, Home Equity Loans and Home Equity Lines of Credit, are secured by the mortgage you have on your home. If you are looking to tap into the equity of your home, it s important to know the difference between these two kinds of loans. A Home Equity Loan is a one-time loan with a fixed interest rate that you pay over a set period of time. Once you have initiated the loan, you cannot borrow further against it. In other words, once established, you cannot change the terms of the loan unless you refinance the loan in its entirety. Many homeowners like the option of locking in a fixed rate with a home equity loan because it protects them against rising interest rates. A Home Equity Line of Credit (or HELOC) is a different animal entirely. It is a line of credit that you can draw against any time. A HELOC offers additional flexibility over a Home Equity Loan. For example, you can borrow up to the limit and pay down your debt at your own pace, as long as you meet the monthly minimum payment requirements. Unlike Home Equity Loans, HELOCs have an interest rate that fluctuates with the market. Both Home Equity Loans and HELOCs offer one big advantage over other types of loans. In most cases, homeowners can deduct the interest they pay on their loans on their yearly tax forms. This has made equity loans extremely popular for a variety of purchases including new cars, home renovations, weddings and other large expenses. (consult your tax adviser on interest deductibility) Once you have established a Home Equity Line of Credit, you can access the available funds quickly and easily. Simply write a check from your Home Equity checks (provided at closing) or transfer funds from your line to another account using e-teller or by contacting our call center at Best of all, you can use the funds for a variety of purposes including home improvements, college education, new automobile, vacations, refinancing high interest accounts, etc.

10 Home Equity rates are based on a member s creditworthiness. That means the rate you receive depends on your credit score. Construction Loans Heritage Family Credit Union is the place to go if you are planning on building. Offering a great rate with flexible construction periods, the credit union gives you the resources and flexibility you need. Loan Calculation Disclosure: Your credit union calculates interest on loans as follows: Interest is calculated on the unpaid balance for all credit union loans, consumer and real estate. Therefore, the amount of interest paid daily (daily interest) is lowered with each principal and interest payment. There is no prepayment penalty for paying off a loan before its maturity. Safeguarding Your Loans MEMBER S CHOICE Borrower Security Now you don t have to lay awake at night worrying about what will happen if the unexpected occurs. MEMBER S CHOICE Borrower Security can take care of canceling your eligible loan, up to the agreement maximum, should you die before paying off your loan. In addition, if you become disabled due to a covered illness or injury, or become involuntarily unemployed, MEMBER S CHOICE Borrower Security can cancel your monthly loan payment, up to the agreement maximum. With MEMBER S CHOICE Borrower Security, you pay low group rates and only buy enough protection to cover your loan balance, making payments truly affordable. Life, Disability and Involuntary Unemployment Protection is available on all consumer loans, including credit cards and Home Equity loans. Mechanical Repair Coverage Members can protect their vehicles against the high cost of auto repairs by purchasing a Mechanical Repair Coverage policy through the credit union. Various coverages are available, depending on the vehicle, the member s driving habits, and how long the member plans to keep the vehicle. Guaranteed Asset Protection For a few dollars a month, Guaranteed Asset Protection (GAP) can save you from making payments on a car, truck, or other vehicle that is beyond repair, or stolen and not recovered. GAP coverage also includes up to $1,000 toward your down payment of a replacement vehicle (where allowed by law and when financed by our credit union).

11 Investing for Life Investments, Insurance and Retirement Just because your personal finances are a private matter doesn t mean you should be investing alone and unadvised. Heritage Family Credit Union has trained professionals serving our members through HERITAGE WAY, providing individualized investment and insurance products and services that serve our members best interests, while helping them achieve their financial goals. A Heritage Way Financial Advisor can give you financial advice and help you manage all of your investments, organize your finances and plan for the future with retirement planning, education funding, estate planning,* insurance planning (including life, long-term care, and disability), investment planning, 401(k) rollovers and more. Come in for a no-cost, no obligation consultation with a representative to help you examine your finances and get a clear picture of where you are, where you want to go and how to get there. Investments made through Heritage Way are not insured by the NCUA. *Representative is not a legal expert. For legal questions, including discussions on estate planning, please consult your attorney. Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (800) Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. CBSI is a registered broker-dealer in all fifty states of the United States of America. Individual Retirement Accounts (IRAs) IRA accounts were established to provide a means for individuals to accumulate funds for their retirement. In doing so, members may create certain tax benefits for themselves. Ease the worry over how you will live on your retirement and Social Security income by supplementing it through a savings program. You may be eligible to reduce your taxable income by making an IRA contribution. Consult a tax advisor for all tax advice. Dividend Disclosure: Interest paid on Term Share Certificates (IRA and non-ira) are calculated and paid monthly to the Certificate. Members have the option of receiving the interest earned on non-ira certificates at any time without penalty once posted to these accounts. Dividend rates which are posted at the credit union, are variable and subject to change. Medicare Supplemental Insurance Heritage Family Credit Union is your partner for all stages of life, and can assist you in understanding your Medicare health insurance benefits, as well as provide you with cost effective Medicare Supplement Insurance options. Medicare Supplement Insurance (or MediGap

12 Insurance) helps pay for deductibles and gaps in medical treatment not covered by Original Medicare. Heritage Family is a trusted resource to get your questions answered and offer you the advice and benefit options you need, with no obligation. Term Share Certificates Term Share Certificates are investment tools for individuals to earn a guaranteed interest rate on a specified amount of funds for a specific term. This rate is usually higher than regular shares. Certificates may be opened at any time. Although there is a minimum amount required to open a certificate, there is no maximum allowed for deposit. NCUA share insurance provides protection up to at least $250,000 per individual. Taking Care of Business The credit union offers a full range of services to fit all of your business needs. Business Primary Share Account This account establishes the membership and account status. Your regular savings are called shares because you own your credit union and shares denote ownership. Thus the initial $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. Business Choice Share Draft This account offers free checking with no minimum balance, no monthly service fee, and unlimited checks to write and clear. You can also link this account to an Overdraft Line of Credit. There are no dividends paid on this account and there is a deposit correction fee. Business Non-Profit Share Draft Account With this account for non-profit organizations, members earn interest at the consumer dividend rate, with no fees. Business Plus Share Draft With this account, dividends are declared and paid monthly and a High Yield Account is available. You can link this account to an Overdraft Line of Credit or an Operation Line of Credit, too. Daily Sweeps, In and Out, and Daylight Overdrafting Zero Balance Sweeps are also available. Money Market Share Account With this account, dividends are paid at the Consumer Rate, with a minimum $1,000 balance to earn interest. Share Drafts and In and Out Sweeps are available.

13 High-Yield Business Account This account allows businesses to earn interest at a higher dividend rate and can be linked to a Business Plus Share Draft Account. Sweep Access in and out is also available. Minimum balance of $1,000 required to earn interest. Business Overdrafts The credit union offers Overdraft Lines of Credit, Overdraft from Operation Lines of Credit, and Overdrafts from High Yield Business Accounts, which can help you prevent overdrafts by automatically transferring funds from a corresponding account to cover posting transactions. Business Debit Cards The credit union offers a multipurpose ATM/Check Card to businesses that have a Share Draft Account. Wire Services The credit union offers nationwide and international wire services for your business needs. Home Banking Access your account via the Internet 24/7 from your personal computer at home or at work. Check balances, interface to Quicken, Quickbooks and Check Images, and much more. Business Emerald Visa Credit Cards The credit union offers Business Emerald Visa credit cards with a Platinum Rate for businesses. Corporate cards carry a very competitive annual percentage rate with no annual fee and a great rewards program. Some additional benefits include: automobile rental insurance, warranty manager service, $250,000 common carrier travel insurance, travel assistance, as well as legal and medical referrals. Merchant Processing The credit union offers credit card processing with free analysis for discount pricing. Business Line of Credit Business lines of credit give businesses access to funds to help them thrive and grow. Commercial Mortgages Our rates on commercial mortgages are very competitive and follow the market trend. We encourage you to check with us for any and all of your mortgage needs.

14 Other Business Services Business Letter of Credit Business Term Loans Business Time Note At Your Service The credit union provides a multitude of services which are constantly expanding to meet our members needs. Share Excel ATM/Check Card 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 and have the amount deducted from their Share Draft Account, instead of writing a check. Contact a Financial Service Representative for further information. IDProtect Prevent Get advice on ways to protect yourself from identity theft, read educational tips and access valuable online resources related to identity fraud and credit. Detect Credit File Monitoring daily credit file monitoring and automated alerts of key changes to your Experian, TransUnion and Equifax credit reports [registration/activation required] 3-in-1 Credit Report - request new 3-in-1 report every 90 days or upon receipt of credit alert [registration/activation required] Credit Score - receive new single bureau credit score with every new credit report [registration/activation required] Total Identity Monitoring continuous monitoring of over 1,000 databases [registration/activation required] Correct Debit and Credit Card Registration register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards - and your liability is limited - should your cards become lost or stolen. [registration/activation required] Fully Managed Identity Theft Resolution Service access to a

15 dedicated consumer fraud specialist, assigned specifically to your case, who will work with you until your credit and identity are completely restored. Identity Fraud Expense Reimbursement Coverage for expenses to help clear your name and help repair damaged credit, including attorney fees, long distance calls, certified mail as well as coverage for lost wages as a result of taking time off work. Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Insurance product is not a deposit; not NCUA insured; not an obligation of credit union; and not guaranteed by credit union or any affiliated entity. Safe Deposit Boxes Safe Deposit Boxes are a safe and effective way to store valuable documents. Safe Deposit Boxes come in a variety of sizes, cost very little and offer much peace of mind. Medallion Signature Guarantee The credit union offers the official signature guarantee program endorsed by the Securities Trade Association that enables the credit union to guarantee a member s signature as authentic. Coin Counting Machines Coin counting machines are located in the lobbies of the Allen Street and West Street branches. These allow 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. Other Services Direct Deposit Payroll Deductions Free Notary Service Night Deposit Drive-Thru Service Financial Counseling eservices e-branch Home Banking e-branch home banking is a FREE service that allows you to access your accounts via the Internet 24 hours a day, 7 days a week from your personal computer at home or at work. Members are able to check balances, transfer funds, make loan payments, and much more. Apps The Heritage Family Credit Union home banking app for Android and iphone devices are here! Additional setup options need to be set by you in your home banking OPTIONS/MOBILE SETTINGS to activate the apps.

16 SmartDeposit Deposit checks remotely with your smartphone. e-statements e-statement provides a secure method for you to receive your periodic statements via the Internet. e-statements become available sooner than mailed statements, with you receiving notification of availability approximately 1 to 2 days after the end of the month. e-bill Pay Pay your bills through the Internet using our secure e-bill pay service. Set up recurring payments, recurring variable amount payments, or one-time-only payments. e-bill Pay lets you review and authorize every payment before it is paid. So, put away those stamps and forget running to the post office. M.A.R.S. 24-Hour Telephone Teller M.A.R.S. (Member Audio Response System) is the credit union s automated telephone teller. M.A.R.S. can be accessed from any touch-tone telephone by calling toll-free It is a free, convenient service that gives you immediate access to your accounts, 24 hours a day, 7 days a week. Mobile Banking For optimized viewing of Heritage Family s e-branch on your webenabled mobile phone, use m.hfcuvt.com on your mobile browser. Text Banking Use Text Banking to get account information on your text-enabled mobile phone. To enroll in Text Banking: Log on to e-branch. Go to the Options tab. Select Mobile Settings and enter your mobile number. Select the accounts you would like to access from your mobile device. You wil receive a personal number to text your inquiries to. Commands for Text Banking Bal = All account balances Bal Acct Name = Single account balance Hist = All accounts recent activity Hist Acct Name = Single account activity Help = Commands Stop = Cancel

17 Relationship Rewards Relationship Rewards is a program which recognizes and rewards participation in your cooperative. The more you use your credit union s products and services, the more rewards you receive. It s that simple! What exactly do you receive? Important benefits like free checks, free automated services, free teller services, free administrative services and more (all depending on your reward level). How it works Point values are assessed for each product or service that you have at your credit union. The more services you utilize, the more points you accumulate. And the program isn t based solely on outstanding loan or deposit balances. It s a combination of items designed to give all members an opportunity to become a Presidential Member! All qualifying criteria used to determine plan eligibility is based on the primary member. If a primary member has more than one account, all accounts under the primary members social security number will be automatically linked together to determine the total point value. Relationship Award Levels Member Level: points Executive Level: points Ambassador Level: points Presidential Level: 400+ points SERVICE MEMBER EXECUTIVE AMBASSADOR PRESIDENTIAL Notary Service Signature Guarantee e-teller Home Banking e-statements M.A.R.S. Phone Transfers Financial Analysis with HW Coin Counting Cashier s Check Fee 3 3 Share Draft Copy 3 Statement Copy Fee 3 Account Activity Printout 3 Card Replacement Fee 3 PIN Reissue Fee 3

18 Increase your relationship and save Heritage Family Credit Union created the program levels based on the total number of deposit and loan services/balances you have in your household. Households are determined by individuals with the same last name that live at the same address. What level could you be if you and your family use Heritage Family Credit Union as your primary financial institution? The best way to increase your level and your benefits is to add or utilize more services at your credit union. Consider these possibilities: Refinance your vehicle from another financial institution Open an IRA or Share Certificate Choose the credit union for a low interest Home Equity Loan Apply for one of our low interest Visa cards Move your Share Draft Account to Heritage Family If a primary member is joint on another account, those accounts may also be manually linked by a financial service representative to be included in the primary members total point value. Total point values will be calculated at the end of each month to determine the following month s relationship. Members may ask to have their relationship total updated prior to the end of the month when opening additional services that may move them to a new level. Each level is worth something Different credit union services are worth different point values toward your overall relationship. Below is a listing of the point values for each of our services. Service Value Savings/Consumer Loan (up to $2,499*) 25 Club Account 25 Share Excel ATM Card 25 Term Share Certificate 25 Direct Deposit 25 Safe Deposit Box 25 Savings/Consumer Loan ($2,500 to $9,999*) 50 Loan Payment via transfer 50 Share Excel Debit Card 50 IRA Account 50 Money Market Account 50 Emerald Visa Platinum, Gold, or Classic 50 Audio/Internet Banking 50 Savings/Consumer Loan ($10,000 to $29,999*) 75 Home Equity Loan 75 Savings/Consumer Loan ($30,000 to $59,999*) 100

19 First Mortgage 100 Savings/Consumer Loan (over $60,000*) 125 *aggregate balance Shared Branching You can access your Heritage Family Credit Union account at nearly 5,000 branch locations around the nation with Shared Branching. Shared Branching allows you to access your Heritage Family Credit Union account from thousands of locations across the USA and conduct most transactions just as if you were in a Heritage Family Credit Union branch. There is no charge for you to use this service! The following are some of the services available at shared branching locations: Deposits and withdrawals Transfers between accounts Account/loan Inquiries Statement copies Extended hours of access And more... In order to perform transactions at a Credit Union Service Center, just make sure you bring your account number, your social security number, your credit union s name and photo identification. Please visit www. hfcuvt.com/sharedbranch to search or download branches to your GPS; call to find a location near you. ATM Locations The credit union s ATM card is accepted at the NYCE, PLUS, PULSE, STAR and COOP networks, as well as the following locations. Main Branch Lobby Thirty Allen Street Rutland, VT North Main Street Branch 230 North Main Street Rutland, VT Main Branch Drive-Thru 30 Allen Street Rutland, VT West Street Branch Drive- Thru 50 West Street Rutland, VT Bennington Branch 206 Pleasant Street Bennington, VT GE Plant Columbian Avenue Rutland, VT (GE employees and cash dispenser only) GE Plant 2 Windcrest Road Rutland, VT (GE employees and cash dispenser only) Rutland Regional Medical Center 160 Allen Street Rutland, VT Center Rutland Site 433 West Street Rutland, VT Rutland High School Stafford Technical Center 22 Stratton Road Rutland, VT (Cash dispenser only) Rutland Bowlerama 158 S Main St #2 Rutland, VT (Cash dispenser only) Ludlow Branch 198 Main Street Ludlow, VT Londonderry Branch Route 100 South South Londonderry, VT Fair Haven Branch 67 Washington Street Fair Haven, VT Brandon Branch 2 West Seminary Street Brandon, VT Hooksett GE Plant Hooksett Industial Park Hooksett, NH (GE employees and cash dispenser only) Hooksett Branch 1337 Hooksett Road Hooksett, NH Castleton State College Student Center College Drive Castleton, VT

20 Thirty Allen Street Rutland, VT 05701