Po Box 4898
Odessa, TX 79760
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Southwest Heritage is an NCUA insured institution located in Odessa, TX. It was founded in 1949 and has approximately $262.48 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 60533 |
| Date Established | 1949 |
| Assets | $262.48 million |
| Loans | $155.80 million |
| Deposits | $227.85 million |
| Capital | $33.82 million |
Your Current Location: Pennsylvania, PA
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.15% | $100 | - |
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|
|
Money Market
|
0.50% | $1,500 | $49,999 |
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|
|
Money Market
|
1.00% | $50,000 | $99,999 |
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|
|
Money Market
|
1.26% | $100,000 | $249,999 |
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|
|
Money Market
|
1.76% | $250,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
1.00% | $1,000 | - |
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|
| 12 Mo CD
|
3.30% | $1,000 | - |
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|
| 24 Mo CD
|
3.30% | $1,000 | - |
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|
| 36 Mo CD
|
3.30% | $1,000 | - |
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|
| 60 Mo CD
|
3.51% | $1,000 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| VIRA
|
1.00% | $0 | - | Learn More |
Your Current Location: Pennsylvania, PA
There are currently no loan rates available for Southwest Heritage
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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:
Altoona,Pennsylvania
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 1398.85 | A | View Lobby Hours | |
| 1401.91 | B | View Lobby Hours | |
| 1405.25 | C | View Lobby Hours |
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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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.
| Southwest Heritage | U.S. Average |
|---|---|
| 17.25% | 6.78 |
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, 2025, Southwest Heritage had $5,717,687 in non-current loans and $320,087 in owned assets. To cover these potential losses it had $33,817,949 in net worth and $1,180,151 in loans loss reserves. That gives it a Texas Ratio of 17.25%.
| Southwest Heritage | U.S. Average |
|---|---|
| 12.88% | 14.48% |
Southwest Heritage FCU has a net worth of 12.88% versus the BestCashCow average of 14.48. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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Last Update on September 30, 2026
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