Heritage Credit Union


Our records indicate that this credit union has been acquired by CONNEXUS.


Headquarters

4617 Liuna Way
Deforest, WI 53532
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.02% 4.01% →
1-Year CD 0.20% 4.50% →
2-Year CD 0.30% 4.73% →
5-Year CD N.A. 4.75% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 1.93% →

2022 Overview

General Credit Union Information

Heritage is an NCUA insured institution located in Deforest, WI. It was founded in 1978 and has approximately $461.32 millions in assets.

Who can join?

You are eligible to become a member if you fall into one of the following categories:

Residence County: Any person who resides or works in:

IL: Boone, Jo Daviess, Knox, Lake, McHenry, Stephenson, Warren, and Winnebago
WI:Barron, Chippewa, Columbia, Dane, Dodge, Iowa, Lincoln, Milwaukee, Oneida, Ozaukee, Price, Racine, Rusk, Sauk, Taylor, Washington, and Waukesha
Residence HCU Branch: Any person who works or resides within a 5 mile radius of any Heritage Credit Union office, 25 mile radius of Sheldon, WI, or 15 miles of Chetek, WI.

Select Employment Group (SEG): Any employee of Kraft or Bombardier and its majority subsidies in the US or successors. Employees of Rockwell Automation (formerly Allen-Bradley Company, its subsidaries, affiliates, and members of A-B Credit Union).

Motorcycle group: Any person, who is a member of the Harley Owners Group (HOG), Buell Riders Adventure Group (BRAG), or BMW Motorcycle Owners of America Group of any dealer located in the state of Wisconsin.

Family members: The spouse, parents, children, stepparents, stepchildren, grandparents and grandchildren of a person eligible for membership. Immediate family members include both biological relatives and those related by marriage or civil union. It may also include all members of a household under one roof.

Organizational qualifications: Organizations, associations, trusts qualify for membership if the majority of the shareholders, partners, signers, trustees and beneficiaries, or owners qualify for membership.

NCUA Insured Yes / State-Chartered
Charter Number # # 68385
Date Established 1978
Assets $461.32 million
Loans $311.97 million
Deposits $377.42 million
Capital $51.53 million
 

Field of Membership Restrictions

Heritage Credit Union of Wisconsin is open to the residents and the people that maintain employment within the qualified counties of Illinois and Wisconsin that are listed on the credit union website, along with the employees and members of the credit union affiliated select employee groups and organizations that are listed on the credit union website and the family members of these eligible people.

Deposit Rates - December 1, 2022

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.02% $2,500 $4,999 Learn More
Money Market
0.02% $2,500 $2,999 Learn More
Money Market
0.02% $10,000 $14,999 Learn More
Money Market
0.02% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.10% $10,000 $14,999 Learn More
6 Mo CD
0.10% $100,000 $199,999 Learn More
12 Mo CD
0.20% $10,000 $14,999 Learn More
12 Mo CD
0.20% $100,000 $199,999 Learn More
24 Mo CD
0.30% $10,000 $14,999 Learn More
24 Mo CD
0.30% $100,000 $199,999 Learn More
36 Mo CD
0.40% $10,000 $14,999 Learn More
36 Mo CD
0.40% $100,000 $199,999 Learn More
48 Mo CD
0.60% $10,000 $14,999 Learn More
48 Mo CD
0.60% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - December 1, 2022

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 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
First Internet Bank
NMLS ID: 424182
6.200% 6.125% 0.75 $1,998 $1,520 Learn More
Morty, Inc.
NMLS ID: 1429243
5.912% 5.820% 1.00 $2,500 $1,471 Learn More
Rocket Mortgage
NMLS ID: 3030
7.138% 6.990% 1.00 $3,750 $1,662 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
6.490 %
After Intro: 7.500 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
6.240 %
$0 Learn More
More Info

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



Climate Initiatives

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

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
3.05% 4.24

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, 2022, Heritage had $1,581,531 in non-current loans and $32,000 in owned assets. To cover these potential losses it had $51,529,435 in net worth and $1,380,952 in loans loss reserves. That gives it a Texas Ratio of 3.05%.

Net Worth
Heritage U.S. Average
11.16% 12.40%

Heritage FCU has a net worth of 11.16% versus the BestCashCow average of 12.40. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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