Heritage Usa


5507 W Wadley Ave
Midland, TX 79707
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.66% →
1-Year CD 0.25% 0.67% →
2-Year CD 0.30% 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Heritage Usa is an NCUA insured institution located in Midland, TX. It was founded in 1949 and has approximately $56.79 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 6434
Date Established 1949
Assets $56.79 million
Loans $43.15 million
Deposits $50.09 million
Capital $6.08 million

Field of Membership Restrictions

Must live, work, worship or attend school in Midland or Ector County.

Deposit Rates - April 14, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.08% $2,500 $2,999 Learn More
Money Market
0.08% $10,000 $14,999 Learn More
Money Market
0.13% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.20% $100,000 $199,999 Learn More
12 Mo CD
0.25% $10,000 $14,999 Learn More
12 Mo CD
0.25% $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

Loan Rates - April 14, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for HERITAGE USA

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 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
CashCall Mortgage
NMLS ID: 128231
2.933% 2.875% 0.75 $1,875 $1,038 Learn More
Beeline Loans, Inc.
NMLS ID: 1799947
2.809% 2.750% 0.75 $1,902 $1,021 Learn More
NMLS ID: 2890
License#: MC-3098
2.698% 2.625% 1.00 $2,370 $1,005 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

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



Below are Heritage Usa 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:

Heritage Usa Locations

Financial Details

Heritage Usa Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Heritage Usa. 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 Usa U.S. Average
31.30% 5.40

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, 2020, Heritage Usa had $2,008,847 in non-current loans and $39,315 in owned assets. To cover these potential losses it had $6,081,302 in net worth and $462,289 in loans loss reserves. That gives it a Texas Ratio of 31.30%.

Net Worth
Heritage Usa U.S. Average
10.7% 12.67%

Heritage Usa FCU has a net worth of 10.7% versus the BestCashCow average of 12.67. 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 Usa

Branches and Savings

What is Heritage Usa?

A federal credit union, registered with the NCUA under certificate #6434.
Learn more about credit unions here.

Is Heritage Usa FDIC insured?

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

Who can join Heritage Usa?

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

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

Heritage Usa'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 Usa?

Heritage Usa has total capital of $6.08 million. Full information on Heritage Usa's financial position is located above.

Who owns Heritage Usa?

Credit Unions are owned by their members.

Where are Heritage Usa branches located?

See branch locations nearby.

Are Heritage Usa ATMs Open 24/7?

Do Heritage Usa ATMs accept cash deposits?

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

Does Heritage Usa have a mobile app?

Does Heritage Usa have mobile deposit?

Does Heritage Usa have quick pay?

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

Does Heritage Usa report to credit bureaus?

Does Heritage Usa use Chexsystems?

Does Heritage Usa use Equifax?

What is Heritage Usa's toll free phone number?

What is Heritage Usa's ACH Routing Number?

What is Heritage Usa's SWIFT code?

Where can I find Heritage Usa's wire transfer form?

What is the Heritage Usa address for deposits?

What Products Does Heritage Usa Offer

Does Heritage Usa offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Heritage Usa offer auto and RV loans?

Compare auto loan rates here.

Does Heritage Usa offer student loans or personal loans?

Compare personal loan rates here.

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