The Veteran Program is designed for those who have served and safeguarded our nation.

PROGRAM REQUIREMENTS

To participate in the Heritage Federal Credit Union Veteran Program, you must meet the following requirements: Must be a U.S. military veteran and submit acceptable proof of service, have a Heritage Rewards Cash or Rewards Cash Back Checking, and enroll in e-statements within 30 days from program enrollment. Proof of service must be provided at program enrollment.

Veteran Program Disclosure

Program Requirements: To participate in the Heritage Federal Credit Union Veteran Program, you must meet the following requirements:

• Be a member who served in the U.S. Armed Forces.

• Provide proof of service upon enrollment in the Veteran Program (acceptable documentation includes an ID card issued by the Department of Veterans Affairs, Veteran designation on a state-issued driver's license or ID, DD214, or official military discharge papers).

• Have Rewards or Rewards Cash Back Checking.

• Be enrolled in eStatements within 30 calendar days from program enrollment.

Linked Accounts: You must have a linked Rewards or Rewards Cash Back Checking Account in order to enroll in the Veteran Program. The linked Rewards or Rewards Cash Back Checking Account must remain open throughout the period that you are enrolled in the Veteran Program. If a linked Rewards or Rewards Cash Back Checking is closed or converted to a different checking account, you will be unenrolled from the Veteran Program and no further benefits or bonuses will be provided.

Program Details: As a member enrolled in the Heritage Federal Credit Union Veteran Program, you are eligible for the following benefits and incentives:

• Debit Card: A unique debit card offered to members of the Veteran Program.

• Home Appraisal: Receive a discount of $200 off the cost of an appraisal used for a loan application with Heritage where a mortgage is used for collateral. Available once per program duration.

• Home Equity Loans: No closing costs for a Home Equity Loan with Heritage.

• Dedicated Relationship Banker: One point of contact for all of your Heritage needs.

• Donation: Heritage Federal Credit Union will donate to a Veteran focused charity or cause for your participation in this program.

Bonus Perks: The following bonus perks are available to members enrolled in the Veteran Program. Each perk will result in a bonus deposit into your Rewards or Rewards Cash Back Checking Account upon meeting the specified requirements:

• Direct Deposit Setup: Receive a $10.00 bonus deposit for setting up a direct deposit to your Heritage account that is linked to the Veteran Program. Bonus available once per program duration. Deposits made by teller/ATM/mobile deposits, wire transfers, transfers between Heritage accounts, external transfers from other accounts at other financial institutions, or Peer-to-Peer (i.e., Zelle, Venmo) transfers do not qualify.

• Average Daily Balance: You must open a Rewards Savings Account to earn this bonus. The average daily balance of your Rewards Savings Account will be calculated every 6 months. If your average daily balance increases by at least $1,000 each 6-month review period, you will qualify for a larger bonus payout. The savings goals will be paid out twice a year in January and July. If you do not qualify for a bonus payout in January or July, you will still be eligible for another bonus payout in the following review period. Bonus deposits will be paid in the following order regardless of your initial average daily balance: $10.00, $20.00, $30.00, $40.00, $50.00. The bonus is available once per savings tier and the max average daily balance payout will be $50.00. Once you have reached this bonus payout, no further savings balance bonus payments will be credited to your account.

  • Earn a $10.00 deposit if the average daily balance reaches $1,000.

  • Earn a $20.00 deposit if the average daily balance reaches $2,000.

  • Earn a $30.00 deposit if the average daily balance reaches $3,000.

  • Earn a $40.00 deposit if the average daily balance reaches $4,000.

  • Earn a $50.00 deposit if the average daily balance reaches $5,000.

• Digital Wallet Setup: Receive a $10.00 bonus deposit for setting up a digital wallet with your Heritage Debit Card that is linked to the Veteran Program. Bonus available once per program duration.

• Spare Change Enrollment: Receive a $10.00 bonus deposit for enrolling in the Spare Change Program. Bonus available once per program duration. The Spare Change Program will round-up the amount of any debit card point-of-sale purchases associated with the enrolled checking account to the next whole dollar and transfer the difference from your checking account to your designated share savings account.

• Anniversary Deposit: Each year, an anniversary bonus deposit of $10.00 will be made into your account in the month following your program enrollment anniversary date.

Please note that all perks and rewards are subject to the terms and conditions of the Heritage Federal Credit Union Veteran Program. For any further details or inquiries regarding the program, please consult your account documents or contact your Heritage Federal Credit Union Relationship Banker. Heritage reserves the right to modify or end the Veteran Program at any time. Heritage may report the value of any bonus or reward received to the IRS as required by law. Any applicable taxes are the responsibility of the recipient. Membership restrictions may apply. Minimum $50 to open a Rewards Checking, Rewards Cash Back Checking, or Rewards Savings Account. Members can only be enrolled in one Heritage Program at a time.