50 W Commerce Rd
Richmond, VA 23224
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Richmond Heritage is an NCUA insured institution located in Richmond, VA. It was founded in 1936 and has approximately $7.23 millions in assets.

NCUA Insured Yes
Charter Number # # 1282
Date Established 1936
Assets $7.23 million
Loans $4.67 million
Deposits $6.87 million
Capital $0.36 million

Deposit Rates - October 25, 2020

Your Current Location: Washington, WA 98101

We do not yet have rates for Richmond Heritage

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Loan Rates - October 25, 2020

Your Current Location: Washington, WA 98101

There are currently no loan rates available for RICHMOND HERITAGE

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 520-CL-25944
2.575% 2.500% 1.00 $2,470 $988 Learn More
Cascadia Mortgage
NMLS ID: 1505422
License#: NMLS #1505422
2.830% 2.750% 0.63 $2,622 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

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Below are Richmond Heritage branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Richmond Heritage Locations

Financial Details

Richmond Heritage Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Richmond 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
Richmond Heritage U.S. Average
27.15% 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, Richmond Heritage had $125,617 in non-current loans and $0 in owned assets. To cover these potential losses it had $359,484 in net worth and $103,142 in loans loss reserves. That gives it a Texas Ratio of 27.15%.

Net Worth
Richmond Heritage U.S. Average
5.1% 13.61%

Richmond Heritage FCU has a net worth of 5.1% 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 Richmond Heritage

Branches and Savings

What is Richmond Heritage?

A federal credit union, registered with the NCUA under certificate #1282.
Learn more about credit unions here.

Is Richmond 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 Richmond Heritage?

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

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

Richmond 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 Richmond Heritage?

Richmond Heritage has total capital of $0.36 million. Full information on Richmond Heritage's financial position is located above.

Who owns Richmond Heritage?

Credit Unions are owned by their members.

Where are Richmond Heritage branches located?

See branch locations nearby.

Are Richmond Heritage ATMs Open 24/7?

Do Richmond Heritage ATMs accept cash deposits?

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

Does Richmond Heritage have a mobile app?

Does Richmond Heritage have mobile deposit?

Does Richmond Heritage have quick pay?

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

Does Richmond Heritage report to credit bureaus?

Does Richmond Heritage use Chexsystems?

Does Richmond Heritage use Equifax?

What is Richmond Heritage's toll free phone number?

What is Richmond Heritage's ACH Routing Number?

What is Richmond Heritage's SWIFT code?

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

What is the Richmond Heritage address for deposits?

What Products Does Richmond Heritage Offer

Does Richmond Heritage offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Richmond Heritage offer auto and RV loans?

Compare auto loan rates here.

Does Richmond Heritage offer student loans or personal loans?

Compare personal loan rates here.

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