2021 Overview
General Credit Union Information
Members Heritage is an NCUA insured institution located in Lexington, KY. It was founded in 1960 and has approximately $348.68 millions in assets.
Who can join?
In Lexington, KY, you may be eligible to join Members Heritage if you live, work, worship or attend school in the following zip codes: 40502, 40504, 40505, 40507, 40508, 40509, 40510, 40511, or 40517.
Immediate family - spouse, children, parents, brothers, and sisters are also eligible for membership. Additionally, any people living in your same household are eligible for membership.
Members of a Select Employee Group are also eligible.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 13638 |
| Date Established | 1960 |
| Assets | $348.68 million |
| Loans | $186.28 million |
| Deposits | $305.58 million |
| Capital | $41.34 million |
Field of Membership Restrictions
Deposit Rates - April 16, 2021
Your Current Location: Connecticut, CT 06828
We do not yet have rates for Members Heritage
We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.
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Note to Members Heritage
To upload and update your credit union's rates please register.
It is free to register and add rates.
Loan Rates - April 16, 2021
Your Current Location: Connecticut, CT 06828
There are currently no loan rates available for MEMBERS HERITAGE
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Connecticut 30 Year Fixed Mortgage Rates 2021
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 3030 |
3.494% | 3.375% | 1.00 | $3,750 | $1,106 | Learn More |
NMLS ID: |
2.422% | 2.375% | 0.63 | $1,562 | $972 | Learn More |
|
NMLS ID: |
2.422% | 2.375% | 0.63 | $1,562 | $972 | Learn More |
|
NMLS ID: 3030 |
3.494% | 3.375% | 1.00 | $3,750 | $1,106 | Learn More |
Featured - Connecticut Home Equity Line Of Credit Rates 2021
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Test Advertiser QA See Table |
0.000 %
|
$0 |
Learn More
More Info |
Third Federal Savings and Loan See Table |
2.240 %
|
$0 |
Learn More
More Info |
Bethpage Federal Credit Union See Table |
Intro APR 2.990 % After Intro: 3.750 % Intro Period: 12 months |
$25,000 |
Learn More
More Info |
Note to MEMBERS HERITAGE
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Members 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:
Fairfield,Connecticut
Financial Details
Members Heritage Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Members 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
| Members Heritage | U.S. Average |
|---|---|
| 7.10% | 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, Members Heritage had $2,762,003 in non-current loans and $344,806 in owned assets. To cover these potential losses it had $41,341,145 in net worth and $2,434,640 in loans loss reserves. That gives it a Texas Ratio of 7.10%.
Net Worth
| Members Heritage | U.S. Average |
|---|---|
| 11.85% | 12.67% |
Members Heritage FCU has a net worth of 11.85% 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 Members Heritage
Branches and Savings
What is Members Heritage?
A federal credit union, registered with the NCUA under certificate #13638.
Learn more about credit unions here.
Is Members Heritage 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. Members Heritage is insured by the NCUA.
Who can join Members Heritage?
Please see Field of Membership information above for information on who is eligible to join.
How big is Members Heritage?
Members Heritage has total capital of $41.34 million. Full information on Members Heritage's financial position is located above.
Who owns Members Heritage?
Credit Unions are owned by their members.
Where are Members Heritage branches located?
See branch locations nearby.
Are Members Heritage ATMs Open 24/7?
Do Members Heritage ATMs accept cash deposits?
Can Members Heritage customers use other ATMs? What is the charge for withdrawing money from another ATM?
Does Members Heritage have a mobile app?
Does Members Heritage have mobile deposit?
Does Members Heritage have quick pay?
How can Members Heritage transfer money to other banks or credit unions?
Does Members Heritage report to credit bureaus?
Does Members Heritage use Chexsystems?
Does Members Heritage use Equifax?
What is Members Heritage's toll free phone number?
What is Members Heritage's ACH Routing Number?
What is Members Heritage's SWIFT code?
Where can I find Members Heritage's wire transfer form?
What is the Members Heritage address for deposits?
What Products Does Members Heritage Offer
Does Members Heritage offer home equity lines of credit and home equity loans?
Compare home equity lines of credit rates here.
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