The Heritage Federal Credit Union Board of Directors is now seeking candidates for the 2011 election. Unlike other financial institutions, credit unions are served by a volunteer board elected by their fellow members. Board members are responsible for overseeing the credit union's sound financial operations and setting strategic direction and credit union policy. Board meetings are held once a month, with committee meetings in between. Candidates must be 18 years or older with accounts in good standing. They would also have been a Heritage Federal Credit Union member for at least one year. The board Nominating Committee will select candidates from applications received. Applications for the board can be obtained by calling marketing at 812-253-MYCU (6928) ext. 2267 or emailing us at hfcu@hfcu.info. The deadline for applications is November 1, 2010.

Invest in America

When you're part of a credit union, you're part of a helpful community.  It's this spirit of cooperation that led to Invest in America, a Credit Union Member Enhancement program that:

• Promotes products and services from U.S.-based companies
• Provides a stimulus for our economy
• Offers credit union members incentives for buying products and services from these American companies 

Get your Sprint Credit Union Member Discount Today!

Credit Union Members Save Up To 10% on Mobile Services, Equipment and Accessories!

Sprint Free Guarantee. Starting April 14, the Sprint Free Guarantee gives any customer opening a new line of service the chance to try Sprint for 30 days. If a customer isn't completely satisfied they can get:

• Reimbursed for the device purchased and activation fee
• Early termination fee waived
• Full refund for service plan monthly recurring charges incurred
• All associated taxes and Sprint surcharges associated with these charges waived.
• Sprint will also waive the restocking fee for new customer exchanges as part of this policy.

The Sprint Free Guarantee is a unique step in what is a growing list of industry "firsts" for Sprint, as no other major wireless carrier matches this guarantee today. For complete information on this new program visit Sprint.>>>

Save Money On Your Auto and Homeowners Insurance
We are pleased to announce that Heritage Federal Credit Union has teamed up with Sentry Insurance to provide you with money-saving discounts on your auto and homeowners insurance.

As a member, you are eligible for an additional discount of up to 10 percent, as well as have access to other preferred customer perks.

Sentry Insurance, one of the largest and strongest mutual insurance companies in the country, was founded in 1904 and is headquartered in Stevens Point, Wisconsin. With assets of more than $10 billion and a policyholder surplus of $2.81 billion, Sentry Insurance is rated A+ by A.M. Best, the industry's leading rating service.

There is no better time to switch insurance companies. For more information and to request a free insurance quote, click here, or call Kathryn Melton at 812-842-0375.

Property and casualty coverages are underwritten by a member of the Sentry Insurance Group, Stevens Point, WI. For a complete listing of companies, visit sentry.com. Policies, coverages, benefits and discounts are not available in all states and are subject to individual underwriting rules. The Advantage discount is not available on all policy types and is contingent on premiums paid by payment option the company deems acceptable. See policy for complete coverage details.

Heritage Federal Credit Union is collecting Pull-Tabs
Heritage Federal Credit Union in partnership with the Ronald McDonald House Charities of The Ohio Valley will be collecting pull-tabs in all our branch locations. Please collect your pull tabs and deposit them in the Ronald McDonald House displays at your local branch.

$250,000 Share Insurance Protection Extended to 2013

The new law also requires NCUA to use the higher $250,000 standard maximum share insurance amount when making decisions about premiums and administering insurance deposit adjustments.

NCUA will shortly update its guidance about share insurance coverage to address the provisions of the new law. Information about NCUA insurance coverage is available online via the Share Insurance Tool Kit at http://www.ncua.gov/Resources/ShareInsuranceToolkit.aspx.  

The National Credit Union Administration is the independent federal agency that regulates charters and supervises federal credit unions. NCUA, with the backing of the full faith and credit of the U.S. government, also operates and manages the National Credit Union Share Insurance Fund, insuring the deposits of nearly 90 million account holders in all federal credit unions and the majority of state-chartered credit unions.

Annual Reports
2009 Annual Report