Quick Poll
The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?
|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Southwest Heritage Credit Union Rates & Review September 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.
Read Full Bio →
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 and Verified: September 21, 2026
Southwest Heritage Credit Union's 12 Month CDS OF DEPOSIT and IRA CDS OF DEPOSIT rates are at 3.82%, 6 Month CDS OF DEPOSIT and IRA CDS OF DEPOSIT rates are at 3.82%, 24 Month CDS OF DEPOSIT and IRA CDS OF DEPOSIT rates are at 3.56%, 36 Month CDS OF DEPOSIT and IRA CDS OF DEPOSIT rates are at 3.56%, 60 Month CDS OF DEPOSIT and IRA CDS OF DEPOSIT rates are at 3.56%. Southwest Heritage Credit Union's money market rates are at 0.50%. Southwest Heritage Credit Union's Personal Loan Rates are as low as 8.00%. Southwest Heritage Credit Union's Credit Card Rates are at 14.00%. 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 0.66%. Rates last updated and verified on 09/21/2026. 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 Auto Loan Rates
Southwest Heritage Credit Union RV, Boat and Powersport Loan Rates
Southwest Heritage Credit Union Credit Card Rates
Southwest Heritage Credit Union Personal Loan Rates
Southwest Heritage Credit Union Other Rates
Financial Health HistorySouthwest Heritage Credit Union’s Texas Ratio stayed near 0.26% in Q2 2023 to 0.66% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
67
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+ (100/100)
Texas Ratio
0.66%
Return on Assets (ROA)
0.2912%
Return on Equity (ROE)
2.2605%
Non-Performing Loans Ratio (NPL)
0.15%
Total Assets
262,479,817
Total Amount of Shares and Deposits
227,847,409
Total Shares and Deposits < 1 Year
215,664,642
Total Shares and Deposits 1 3 Years
11,205,521
Total Shares and Deposits > 3 Years
977,246
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
61,267,146
Total Uninsured Shares and Deposits > $250K (F+J)
61,267,146
Total Insured Shares and Deposits > $250K (item 17 less item K)
166,580,263
Total Interest Expense (Sum of items 6 8)
937,863
Share Certificates
806
Number of Accounts for Share Drafts
8,792
IRA KEOGH Accounts
201
Number of Accounts for Regular Shares
12,988
Non Member Deposits
1
Money Market Shares
498
Net Income (unless the amount is already included in Undivided Earnings)
764,452
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
53,541,328
Total Liabilities
229,139,608
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Southwest Heritage Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Southwest Heritage Credit Union
Frequently Asked Questions About Southwest Heritage Credit UnionHow 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.
Compare to Other Credit Unions
Billerica Municipal Employees Credit Union
TENNESSEE RIVER
TEXAR Federal Credit Union
Glover Federal Credit Union
Raleigh County Federal Credit Union
LeRoy Federal Credit Union
Vocal Credit Union
Consumers Federal Credit Union
Security Service Federal Credit Union
Kelly Community Federal Credit Union
PUD Federal Credit Union
Amherst Federal Credit Union
First Oklahoma Federal Credit Union
Autotruck Financial Credit Union
Justice Federal Credit Union
Jackson County Federal Credit Union
KUMC Credit Union
Hurd Employees Credit Union
IBEW 26 Federal Credit Union
We Florida Financial Credit Union
Division #6 Highway Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking