Heritage Federal Credit Union

Headquarters

Po Box 189
Newburgh, IN 47629
See all branch locations →

Notable Rates APY Vs.Others
Savings 2.25% 5.55% →
1-Year CD 2.00% 5.60% →
2-Year CD 2.25% 5.00% →
5-Year CD 2.50% 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

Heritage is an NCUA insured institution located in Newburgh, IN. It was founded in 1965 and has approximately $942.6 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.

NCUA Insured Yes / Federally Chartered
Charter Number # # 16626
Date Established 1965
Assets $942.60 million
Loans $685.54 million
Deposits $783.97 million
Capital $107.20 million
 

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 - April 19, 2024

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
SAV
0.05% $100 $9,999 Learn More
Primary Share
0.10% $10,000 $24,999 Learn More
Primary Share
0.15% $25,000 - Learn More
Prime Performance
0.20% $50,000 $99,999 Learn More
Prime Performance
0.25% $100,000 $199,999 Learn More
Prime Performance
0.30% $200,000 $249,999 Learn More
Prime Performance
0.75% $250,000 $324,999 Learn More
Prime Performance
1.25% $325,000 $499,999 Learn More
Prime Performance
1.75% $500,000 $749,999 Learn More
Prime Performance
2.25% $750,000 - Learn More
Money Market
0.15% $1,000 $9,999 Learn More
Money Market
0.20% $10,000 $24,999 Learn More
Money Market
0.25% $25,000 $49,999 Learn More
Money Market
0.25% $50,000 $99,999 Learn More
Money Market
0.25% $100,000 $249,999 Learn More
Money Market
0.75% $250,000 $324,999 Learn More
Money Market
1.25% $325,000 $499,999 Learn More
Money Market
1.75% $500,000 $749,999 Learn More
Money Market
2.25% $750,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
5.25% $2,500 - Learn More
10 Month Special
6.00% $500 - Learn More
12 Mo CD
2.00% $500 - Learn More
18 Mo CD
2.10% $500 - Learn More
24 Mo CD
2.25% $500 - Learn More
30 Mo CD
2.25% $500 - Learn More
36 Mo CD
2.50% $500 - Learn More
48 Mo CD
2.50% $500 - Learn More
60 Mo CD
2.50% $500 - Learn More
Variable IRA Rates APY MIN MAX
VIRA
0.30% $0 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
INTCK
0.05% $500 - Learn MoreShow Less

Loan Rates - April 19, 2024

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 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Tomo Mortgage, LLC.
NMLS ID: 2059741
6.994% 6.875% 0.63 $3,901 $2,103 Learn More
Rocket Mortgage
NMLS ID: 3030
7.451% 7.375% 0.75 $2,400 $2,211 Learn More
Neighbors Bank
NMLS ID: 491986
Learn More
FHAloans.com
NMLS ID: Not a Lender
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.490 %
$0 Learn More
More Info

Note to Heritage
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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



Climate Policy and Initiatives

HERITAGE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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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
4.82% 6.97

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 December 31, 2023, Heritage had $5,002,336 in non-current loans and $373,248 in owned assets. To cover these potential losses it had $107,195,189 in net worth and $4,230,250 in loans loss reserves. That gives it a Texas Ratio of 4.82%.

Net Worth
Heritage U.S. Average
11.36% 13.62%

Heritage FCU has a net worth of 11.36% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for Heritage

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