Southwest Heritage Credit Union

Headquarters

Po Box 4898
Odessa, TX 79760
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Notable Rates	APY	Vs.Others
Savings	0.15%	4.45% →
1-Year CD	3.30%	4.59% →
2-Year CD	3.30%	4.00% →
5-Year CD	3.51%	4.00% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Credit Union Information

Southwest Heritage is an NCUA insured institution located in Odessa, TX. It was founded in 1949 and has approximately $253.7 millions in assets.


NCUA Insured	Yes / State-Chartered
Charter Number #	# 60533
Date Established	1949
Assets	$253.70 million
Loans	$167.05 million
Deposits	$220.98 million
Capital	$31.81 million

Field of Membership Restrictions

Membership is open to those who live, worship or work in Midland, Andrews, Ector, Crane, Ward or Winkler Counties in Texas.

Deposit Rates - December 19, 2025

Your Current Location: Oklahoma, OK 10007

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
SAV	0.15%	$100	-	Learn More Reviews
Money Market	0.50%	$1,500	$49,999	Learn More Reviews
Money Market	1.00%	$50,000	$99,999	Learn More Reviews
Money Market	1.26%	$100,000	$249,999	Learn More Reviews
Money Market	1.76%	$250,000	-	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	1.00%	$1,000	-	Learn More Reviews
12 Mo CD	3.30%	$1,000	-	Learn More Reviews
24 Mo CD	3.30%	$1,000	-	Learn More Reviews
36 Mo CD	3.30%	$1,000	-	Learn More Reviews
60 Mo CD	3.51%	$1,000	-	Learn More Reviews

Variable IRA Rates	APY	MIN	MAX
VIRA	1.00%	$0	-	Learn MoreShow Less

Loan Rates - December 19, 2025

Your Current Location: Oklahoma, OK 10007

There are currently no loan rates available for Southwest Heritage

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

Featured - Oklahoma 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 1025894	6.209%	6.125%	0.63	$2,879	$1,945	Learn More
NMLS ID: 1907						Learn More
NMLS ID: 491986						Learn More

See More Mortgage Rates →

Featured - Oklahoma Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Upstart Home Lending See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC dba Upstart Home Lending. NMLS #2443873 As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Achieve Loans See Table	Intro APR 6.740 % After Intro: 6.740 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600
Valley Strong Credit Union See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day closing assumes closing the loan with our remote online notary. Closing timelines will be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years

See More Home Equity Rates →

Note to Southwest Heritage
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Branches

Below are Southwest 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:
Yukon,Oklahoma

Southwest Heritage Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
Faudree	344.67	A	View Lobby Hours
Main Office	347.98	B	View Lobby Hours
West Branch	350.97	C	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

SOUTHWEST HERITAGE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Southwest Heritage Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Southwest 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

Southwest Heritage	U.S. Average
11.66%	5.63

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 June 30, 2025, Southwest Heritage had $2,943,904 in non-current loans and $903,326 in owned assets. To cover these potential losses it had $31,810,699 in net worth and $1,180,151 in loans loss reserves. That gives it a Texas Ratio of 11.66%.

Net Worth

Southwest Heritage	U.S. Average
12.54%	14.29%

Southwest Heritage FCU has a net worth of 12.54% versus the BestCashCow average of 14.29. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Southwest Heritage

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