HERITAGE

Headquarters

1212 Huxley St
Madison, WI 53704
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.02% 1.62% →
1-Year CD 0.20% 1.55% →
2-Year CD 0.30% 1.45% →
5-Year CD N.A. 1.66% →
30-Year Mortgage N.A. 3.08% →
15-Year Mortgage N.A. 2.65% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Heritage is an NCUA insured institution located in Madison, WI. It was founded in 1978 and has approximately $375.4 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
Charter Number # # 68385
Date Established 1978
Assets $375.40 million
Loans $305.58 million
Deposits $307.61 million
Capital $44.71 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 - May 29, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.02% $100 - Learn More
Money Market
0.02% $100 $74,999 Learn More
Premium Money Market Account
0.10% $10,000 $24,999 Learn More
Premium Money Market Account
0.10% $25,000 $49,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.10% $500 - Learn More
12 Mo CD
0.20% $500 - Learn More
Special: 15 Mo CD
0.70% $500 - Learn More
24 Mo CD
0.30% $500 - Learn More
36 Mo CD
0.40% $500 - Learn More
48 Mo CD
0.60% $500 - Learn More
Variable IRA Rates APY MIN MAX
Var IRA
0.02% $100 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
0.20% $500 - Learn MoreShow Less
Special: 15 Mo FIRA
0.70% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $100 - Learn MoreShow Less

Loan Rates - May 29, 2020

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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.952% 2.875% 1.00 $2,485 $1,038 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More
Rocket Mortgage
NMLS ID: 3030
3.998% 3.875% 1.00 $3,750 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$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


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
2.75% 5.92

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 September 30, 2019, Heritage had $1,250,172 in non-current loans and $20,429 in owned assets. To cover these potential losses it had $44,714,694 in net worth and $1,419,759 in loans loss reserves. That gives it a Texas Ratio of 2.75%.

Net Worth
Heritage U.S. Average
11.91% 13.86%

Heritage FCU has a net worth of 11.91% versus the BestCashCow average of 13.86. 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 About Heritage

Branches and Savings

What is Heritage?

A federal credit union, registered with the NCUA under certificate #68385.
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 $44.71 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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