Financial Education Center

Educational Tools for Kids 

In addition to our account options for kids, we also offer special features and benefits including online financial education resources like Coindexter Jr. and Coindexter.

Budgeting Tools

BudgetSmart is a free software download for Heritage Trust members. This easy-to-use tool uses simple graphics, “pop-up” boxes and bar charts to help you manage your money more effectively. With BudgetSmart, establish a budget, track your spending, view tips for improving areas of overspending, and even factor “what if” scenarios to determine how a major purchase or change in income might impact your budget.

Take control of your finances today Download BudgetSmart.



Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.


Additional coverage up to $250,000 provided by Excess Share Insurance Corporation, a licensed insurance company.