HT Creates Thriving Wellness Culture
HT Promotes Financial Literacy in the Lowcountry
Member Notices for Heritage Trust Members

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HT Creates Thriving Wellness Culture
by Ashley Islas

As recent health care reforms continue to take the national stage, Heritage Trust Federal Credit Union is continuing to make strides in creating a culture of wellness among its employees. By fostering wellness, Heritage Trust is not only increasing positivity and productivity in employees, but lowering medical claims and ultimately controlling the high cost of medical benefits. 

 “It’s important to understand that by creating physically and emotionally healthy employees, we can see improvements throughout the entire credit union,” explained Jim McKenrick, Heritage Trust Wellness Works Committee member.

Heritage Trust employees participates in a beginner paddleboard lesson on one of Charelston's many waterways.
When planning wellness initiatives, the volunteer committee works with Human Resources to compile general information from the previous year’s insurance claims.  This information is then used to design a well-rounded curriculum for employees.

Since its inception in 2005, the WellnessWorks program has provided employees with a state-of-the-art interactive wellness website, quarterly wellness challenges, educational lunch-and-learn events and an annual health fair and flu vaccine clinic.  Heritage Trust also provides a company gym membership program with East Shore Athletic Club, which has multiple locations throughout the greater Charleston area, accommodating all employees. 

The credit union also offers an Employee Assistance Program for employees through a third party. 
This confidential program includes counseling services, like stress and life management services, like
financial counseling and assistance for family issues. “We want to make sure that we offer employees the
tools they need to remain accountable for their own health in and outside of the workplace,” McKenrick said.

Employees learned the basics of creating
their own vegetable patches.

In 2013, the Wellness committee provided unique activities to engage employees.  Employees benefited from acupuncture demonstrations, learning how to grow their own vegetables and how to protect themselves in a self-defense course. 

There were even opportunities to participate in classes outside of the work environment: beginner paddleboard lessons and introductory yoga classes after work.   

Among other accolades, Heritage Trust was named a gold and platinum “Fit Friendly Workplace” by the American Heart Association for the past three years.  

Aside from providing such beneficial wellness offerings, Heritage Trust continues to contribute 65% towards each employee’s medical and dental cost.“We know that by pairing our employees with the best in health care options and a comprehensive program that promotes wellness, we can provide a team of top-notch professionals to assist with their financial needs,” added Jim McDaniel, CEO of Heritage Trust.

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HT Promotes Financial Literacy in the Lowcountry

by Ashley Islas

South Carolinians are facing the worst poverty rates in over a decade. According to the latest United State Census Bureau, the state’s poverty rate is now reported to be at 18.3 percent with the poverty rate for children at 27 percent.

As these reports paint the vivid picture of poverty throughout South Carolina, Heritage Trust Federal Credit Union is determined to provide the Lowcountry’s underserved with financial literacy programs throughout local communities for members and non-members alike. With programs specifically designed for participants of all ages, from elementary-aged children and their families to individuals earning their GED, Heritage Trust hopes that their efforts can help individuals learn the tools that they need for financial success.

“While providing quality services and products to our members is important, we also understand the importance of helping those around us,” Jim McDaniel, CEO of Heritage Trust shared. “We know that there are hundreds of families and individuals in our reach that could benefit from the financial knowledge we have gained over the years and we want to be sure that they know we care for their financial well-being.”

Gear Up is a Charleston County School District program that is designed to help educate and follow economically challenged students from 7th grade to graduation.  Heritage Trust assists with the program by providing workshops, like budgeting and preparing for college, for both students and their parents. “Gear Up is a phenomenal way for us to help establish healthy financial habits with younger members of our community while engaging their parents, as well,” add McDaniel.

The first graduate of BankOn
Charelston opened an account at
Heritage Trust after graduation.

Heritage Trust works with BankOn Charleston, an initiative run by the Greater Charleston Empowerment Corporation. BankOn’s goal is to assist lower income and credit challenged families through financial classes. 

What sets this program apart is that upon completion of the class, participants can open an account with participating financial institutions like Heritage Trust, which is the only credit union amongst the nine participating institutions. The first graduate of the program opened an account at Heritage Trust’s Rivers Avenue branch in North Charleston.
Other programs are geared to the credit union’s Select Employee Groups, with most requests coming from underserved SEGs in Colleton, Hampton and Berkeley counties.  On a regular basis, Heritage Trust prepares workshops on credit repair, understanding credit scores and budgeting.
As the 2014 tax season arrives, Heritage Trust is again partnering with the Charleston Trident Urban League’s Volunteer Income Tax Assistance (VITA), an Internal Revenue Service national program created to assist individuals or families with their taxes at designated branches. This program will be available to everyone in the community regardless of their credit union membership or relationship.

Although South Carolinians are struggling to regain jobs lost during the recession and adjust to ever changing employment and financial markets, Heritage Trust hopes that their efforts to provide quality financial literacy programming can give encouragement to individuals and families finding it difficult to recover from the nation’s recent hardships.

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Member Notices

NEW: Online Security Alert
As reported in our national news media this week: The Heartbleed bug - a flaw in the Open Secure Socket Layer (OpenSSL) technology used to establish secure links between servers and users--exposed millions of usernames, passwords and other information.Undetected for more than two years, the bug affects two-thirds of encrypted websites.

Please note: Our systems at Heritage Trust, including online and mobile sites as well as our vendor sites and systems are secure and we are not impacted by this security threat.

If you are concerned about your password information, we always encourage members to change their passwords on a regular basis. If you have questions about online or mobile banking, please call our local Contact Center at (800) 845-5550.

Change in Fees Notice
Please note upcoming changes to a few of our existing products and services. In order to continue
to provide members with access to these products and services, the credit union will be changing
our current fee structure as it relates to the items listed below.

Please be advised that these changes are effective as of August 15, 2013.

If you currently utilize the products or services below and have any questions or need additional
information, please stop by any branch location or call our Contact Center at (843) 832-2600.

Effective August 15, 2013
Current Fee New Fee
Deposit Item Returned Unpaid, each $10.00 $12.50
Loan Extension Processing $30.00 $35.00
Single Service Fee, per month
Charged if share account balance is less
than $100 and has no other services.
Youth Accounts excluded.
$0.00 $5.00
Statement Fee, per month
Charged if member uses Online Banking
and still receives paper statements.
$0.00 $1.95
Wire Transfer Fees    
- Outgoing, per wire $15.00 $20.00
- Outgoing International, per wire $25.00 $30.00
- Incoming, per wire $5.00 $7.00
Identity Theft (ID SafeChoice), per month
Even though the monthly fee for this service
is increasing, this product is still less costly
than some of the other identity theft solutions.
To cancel this coverage, visit any branch or
call our Contact Center at (843) 832-2600.
$0.99 $1.99

Signature Based Transactions
Due to unusually high levels of fraud in the areas listed below, signature-based debit card transactions have been blocked in the following state zip codes:

  Massachusetts Illinois Texas
  01532 to 02761 60159 to 61799 75414 to 79189
  Florida California Arizona
  32119 to 34982

90001 to 94850

85001 to 85392
  New York New Jersey Rhode Island

11201 to 11787

07097 to 07474

02901 to 02940
  Missouri Nevada Georgia

63101 to 63199

89002 to 89199

30006 to 31144

20715 to 21709


PIN transactions will not be affected.

If you have any questions or concerns please call our Contact Center at (843) 832-2600
or toll free at 1(800) 845-5550.

Expiration of Full Insurance Coverage
on Non interest-Bearing Accounts

By operation of federal law, beginning January 1, 2013, funds deposited in a non interest-bearing transaction account (including an Interest on Lawyer Trust Account) will no longer receive unlimited deposit insurance coverage by the National Credit Union Share Insurance Fund (NCUSIC).

Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all non interest-bearing transaction accounts, will be insured by the NCUSIF up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

Questions? Call our Contact Center at (843) 832-2600.

Check Holds and Funds Availability
In some cases, holds may be placed on checks that are deposited into checking accounts at our branches. If we place a hold on a check, we will make the first $200.00 available to you the day you make the deposit. Checks deposited at ATM machines are subject to longer holds; however, we will make the first $200.00 available to you the day you make your deposit.

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