440 Park Pl
Lexington, KY 40511
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.05% →
1-Year CD 0.85% 1.05% →
2-Year CD 1.01% 1.11% →
5-Year CD 1.36% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Members Heritage is an NCUA insured institution located in Lexington, KY. It was founded in 1960 and has approximately $407.16 millions in assets.

NCUA Insured Yes
Charter Number # # 68661
Date Established 1960
Assets $407.16 million
Loans $264.96 million
Deposits $358.61 million
Capital $51.39 million

Field of Membership Restrictions

Membership is open to those who live, work, attend school, worship or have family members in Anderson, Bath, Bourbon, Boyle, Clark, Estill, Fayette, Madison, Menifee, Mercer, Montgomery, Morgan, Nicholas, Powell, Rowan, Scott, Franklin, Garrard, Harrison, Jessamine, Lincoln and Woodford Counties in Kentucky.

Deposit Rates - August 9, 2020

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
0.15% $2,500 $2,999 Learn More
Money Market
0.25% $10,000 $14,999 Learn More
Money Market
0.35% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.25% $10,000 $14,999 Learn More
3 Mo CD
0.25% $100,000 $199,999 Learn More
6 Mo CD
0.40% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 Learn More
12 Mo CD
0.75% $10,000 $14,999 Learn More
12 Mo CD
0.85% $100,000 $199,999 Learn More
24 Mo CD
1.01% $10,000 $14,999 Learn More
24 Mo CD
1.01% $100,000 $199,999 Learn More
36 Mo CD
1.11% $10,000 $14,999 Learn More
36 Mo CD
1.16% $100,000 $199,999 Learn More
48 Mo CD
1.16% $10,000 $14,999 Learn More
48 Mo CD
1.26% $100,000 $199,999 Learn More
60 Mo CD
1.26% $10,000 $14,999 Learn More
60 Mo CD
1.36% $100,000 $199,999 Learn More

Loan Rates - August 9, 2020

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.914% 2.875% 0.50 $1,250 $1,038 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

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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:

Members Heritage Locations

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
5.27% 6.71

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 March 30, 2020, Members Heritage had $2,762,000 in non-current loans and $5,000 in owned assets. To cover these potential losses it had $51,390,187 in net worth and $1,138,911 in loans loss reserves. That gives it a Texas Ratio of 5.27%.

Net Worth
Members Heritage U.S. Average
12.62% 13.61%

Members Heritage FCU has a net worth of 12.62% versus the BestCashCow average of 13.61. 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 #68661.
Learn more about credit unions here.

Is Members 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 Members Heritage?

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

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

Members 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 Members Heritage?

Members Heritage has total capital of $51.39 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 mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Members Heritage offer auto and RV loans?

Compare auto loan rates here.

Does Members Heritage offer student loans or personal loans?

Compare personal loan rates here.

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