HERITAGE

PO BOX 189
Newburgh, IN 47629

 

2018 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 16626
Date Established 1965
Assets $574.27 million
Loans $430.13 million
Deposits $508.79 million
Capital $59.43 million

Heritage is an NCUA insured institution located in Newburgh, IN. It was founded in 1965 and has approximately $574.27 millions in assets.

Who can join?

Heritage Federal Credit Union is a community-chartered credit union, meaning there are many ways to qualify for membership.

If you live, work, worship or attend school in Vanderburgh or Warrick County in Indiana, you qualify for membership.

If you are an immediate family member of someone who meets the above criteria or someone who is already an HFCU member, you qualify.

If you share the same household as someone (not necessarily a family member) who qualifies for HFCU membership, you will also qualify.

Field of Membership Restrictions

Membership is open to those who live in Warrick, Vanderburgh and Posey Counties in Indiana and Henderson County in Kentucky.

Deposit Rates - October 22, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.15% $1,000 $9,999 Learn MoreShow Less
Money Market
0.20% $10,000 $24,999 Learn MoreShow Less
Money Market
0.25% $25,000 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
1.25% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.35% $2,500 - Learn MoreShow Less
6 Mo CD
1.00% $2,500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.30% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $500 $999 Learn MoreShow Less
Int Ckg
0.05% $1,000 - Learn MoreShow Less

Loan Rates - October 22, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for HERITAGE

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: MC-1875
4.773% 4.750% 0.25 $678 $1,305 Learn More
Ally Bank
NMLS ID: 181005
5.038% 5.000% 0.00 $1,164 $1,343 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.676% 4.625% 0.25 $1,600 $1,286 Learn More
Rocket Mortgage
NMLS ID: 3030
5.250% 5.250% 0.00 $0 $1,381 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More
Flagstar Bank 5.490% $283.58 Learn More

Note to HERITAGE
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are Heritage branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Heritage Locations

Financial Details

Heritage Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Heritage. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Heritage U.S. Average
7.68% 5.78

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2018, Heritage had $4,752,641 in non-current loans and $45,111 in owned assets. To cover these potential losses it had $59,431,712 in net worth and $3,042,853 in loans loss reserves. That gives it a Texas Ratio of 7.68%.

Net Worth
Heritage U.S. Average
10.34% 13.21%

Heritage FCU has a net worth of 10.34% versus the BestCashCow average of 13.21. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions On Heritage

What is Heritage?

A federal credit union, registered with the NCUA under certificate #16626.
Learn more about credit unions here.

Is Heritage FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Heritage?

Please see Field of Membership information above for information on who is eligible to join.

What are Heritage's share account and share certificate rates?

Heritage's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Heritage?

Heritage has total capital of $59.43 million. Full information on Heritage's financial position is located above.

Who owns Heritage?

Credit Unions are owned by their members.

Where are Heritage branches located?

See branch locations nearby.

Are Heritage ATMs Open 24/7?

Do Heritage ATMs accept cash deposits?

Can Heritage customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Heritage have a mobile app?

Does Heritage have mobile deposit?

Does Heritage have quick pay?

How can Heritage transfer money to other banks or credit unions?

Does Heritage report to credit bureaus?

Does Heritage use Chexsystems?

Does Heritage use Equifax?

What is Heritage's toll free phone number?

What is Heritage's ACH Routing Number?

What is Heritage's SWIFT code?

Where can I find Heritage's wire transfer form?

What is the Heritage address for deposits?

What Products Does Heritage Offer

Does Heritage offer mortgages?

Compare mortgage rates here.

Does Heritage offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Heritage offer auto and RV loans?

Compare auto loan rates here.

Does Heritage offer student loans or personal loans?

Compare personal loan rates here.

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