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iAdvertiser Disclosure
Advertiser Disclosure
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 Southwest Heritage Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 18, 2026
Southwest Heritage Credit Union's 12 month term CD rates are at 3.82%, 6 month term CD rates are at 3.82%, 24 month term CD rates are at 3.56%, 36 month term CD rates are at 3.56%, 60 month term CD rates are at 3.56%. Southwest Heritage Credit Union's money market rates are at 0.50%. MonitorBankRates evaluates the financial stability of Southwest Heritage Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.59%. Rates were last updated on 04/18/2026. Southwest Heritage Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Southwest Heritage Credit Union? Share your experience about Southwest Heritage Credit Union by leaving a review below, or read customer reviews before you decide to use Southwest Heritage Credit Union. 
Southwest Heritage Credit Union CD Rates
Southwest Heritage Credit Union Savings Rates
Southwest Heritage Credit Union Money Market Rates
Southwest Heritage Credit Union Checking Rates
Southwest Heritage Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Southwest Heritage Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Southwest Heritage Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Southwest Heritage Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Southwest Heritage Credit Union
Website
https://swhcu.com/
Address
4100 N Faudree Rd,
Odessa, TX 79765 8511
Phone
432-250-6040
Fax
432-561-9536
President
Edgar Baiza Jr
CEO
Ronny Haynes
Full-Time Employees
69
Part-Time Employees
1
Branch Locations
5
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.59%
Return on Assets (ROA)
0.8534%
Return on Equity (ROE)
6.7375%
Non-Performing Loans Ratio (NPL)
0.92%
Total Assets
256,999,897
Total Amount of Shares and Deposits
223,319,410
Total Shares and Deposits < 1 Year
213,257,224
Total Shares and Deposits 1 3 Years
9,170,035
Total Shares and Deposits > 3 Years
892,151
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
58,379,862
Total Uninsured Shares and Deposits > $250K (F+J)
58,379,862
Total Insured Shares and Deposits > $250K (item 17 less item K)
164,939,548
Total Interest Expense (Sum of items 6 8)
2,992,145
Share Certificates
818
Number of Accounts for Share Drafts
8,898
IRA KEOGH Accounts
205
Number of Accounts for Regular Shares
12,900
Non Member Deposits
2
Money Market Shares
512
Net Income (unless the amount is already included in Undivided Earnings)
2,193,148
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
48,144,278
Total Liabilities
224,931,354
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Southwest Heritage Credit UnionIs Southwest Heritage Credit Union a safe place to deposit money?Yes, Southwest Heritage Credit Union is considered a safe financial institution. With a Texas Ratio of 4.5932885767487%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Southwest Heritage Credit Union operate?Southwest Heritage Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Southwest Heritage Credit Union?Yes, to access services at Southwest Heritage Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Southwest Heritage Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Southwest Heritage Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Southwest Heritage Credit Union offer online and mobile banking?Most modern institutions like Southwest Heritage Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://swhcu.com/. Current Southwest Heritage Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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