Who We Are

Our Compliances: We consider adherence to national policies and objectives a priority for giving our customers the best financial support with corporate integrity, meaning a fully compliant bank along with involvement in social development.
Our Compliances: We consider adherence to national policies and objectives a priority for giving our customers the best financial support with corporate integrity, meaning a fully compliant bank along with involvement in social development.
Our Shareholders: We assure the best returns to our shareholders by committed prudent performance.
Our Team Members: We provide secure, satisfying employment, ensuring the contribution of each individual to the success of Charlotte Trust Group.

Our Vision

To be the trendsetter for innovative banking with excellence & perfection

Our Mission

Heritage Credit Group has been an independent company since 2001. Our mission is to offer quality financial services which meet the needs of our customers and our service area. In doing so, we will maximize the long term value of our shareholders investment.

Simply stated, Heritage Credit Group’s mission is to be the bank who serves its stakeholders in the following ways:

• SHAREHOLDERS cherish its stock
• EMPLOYEES are envied by their peers
• REGULATORS consider it the industry standard
• VENDORS covet its business
• EVERY CUSTOMER considers us their bank of choice

Our Core Values

The purpose of strategic planning is to establish a systematic way of managing change. As banking circumstances in Michigan change so must Heritage Credit Group. But there is a major caveat to this.

Heritage Credit Group has a core values that are not bond to change. The following set of our core values will serve to guide the words and actions of all those who have the privilege of working for this institution.

• Accountability
  We accept our individual and team responsibilities and we meet our commitments. We take responsibility for our performance in all our decisions and actions.
• Teamwork
  We promote and support a diverse, yet unified team. We work as a team to meet our common goals.
• Relationships
  We seek to establish mutually beneficial, caring relationships based on trust and the desire for mutual success.
• Respect
  We consistently seek to treat others as we want to be treated.
• Loyalty
  With pride and dedication, we are committed to staying together through thick and thin. We are a family that cares for each other.
• Hard work
  We are dedicated to go above and beyond with commitment to consistently provide the Heritage Credit Group difference.
• Community
  We embed ourselves in our communities and we take their needs very seriously. We recognize our responsibility to be active participants in our local communities.
• Confidentiality
  As a community bank, our very existence depends on our ability to protect and guard our customers’ sensitive information. There is zero tolerance for any breach of confidentiality.
• Independence
  We fervently believe that as an independent bank, with strong employee ownership, we best serve our customers, communities, and shareholders.
• Integrity and honesty
  We will always take the high road by practicing the utmost ethical standards, and by honoring our commitments. We are dedicated to the practice of choosing to be forthright and honest; this is who we are.
• Pursue Excellence
  We will cultivate excellence by challenging ourselves with courage and confidence. We will seek to inspire a fun environment where innovation thrives, mentoring is essential, and our journey is celebrated. We will strive to deliver a legendary experience through our unrivaled service.