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Grand Heritage Federal Credit Union

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Grand Heritage Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Grand Heritage Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Grand Heritage Federal Credit Union's top rates as of October 13, 2026 are 6.49% on its 1st Mortgage Special-12 Years, personal loans from 8.95% APR, and credit cards from 9.95% APR, according to rates verified by MonitorBankRates. Other Grand Heritage Federal Credit Union mortgage rates include 1st MORTGAGE at 6.79%, 1st MORTGAGE at 6.99%, and 1st MORTGAGE at 7.29%. MonitorBankRates evaluates the financial stability of Grand Heritage Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.01%. Rates last updated and verified on 10/13/2026.

Grand Heritage Federal 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 Grand Heritage Federal Credit Union? Share your experience about Grand Heritage Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Grand Heritage Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.01%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Grand Heritage Federal Credit Union
Grand Heritage Federal Credit Union

191 Madison St
Laporte, IN 46350-4185

https://ghfcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Grand Heritage Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
1st Mortgage Special-12 Years	-	-	6.49%	12 years max
Details As Low As; 50% Loan-To-Value, $999 Closing Costs - New Purchase or Refi from another lender; Shown under 15 years APR column; Rates based on an evaluation of credit history Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
1st MORTGAGE	-	-	6.79%	15 years
Details As Low As; 80% Loan-To-Value Purchase or Refi from another lender; Rates based on an evaluation of credit history Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.79% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
1st MORTGAGE	-	-	6.99%	20 years
Details As Low As; 80% Loan-To-Value Purchase or Refi from another lender; Rates based on an evaluation of credit history Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
1st MORTGAGE	-	-	7.29%	25 years
Details As Low As; 80% Loan-To-Value Purchase or Refi from another lender; Rates based on an evaluation of credit history Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.29% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%

Grand Heritage Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New and Used Vehicles Loan	-	-	6.29%	up to 60 Months
Details As Low As; Model Year: 2025 - 2026 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
New and Used Vehicles Loan	-	-	6.49%	up to 72 Months
Details As Low As; Model Year: 2025 - 2026; Minimum loan amount: $25,000 for term 72 months Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
New and Used Vehicles Loan	-	-	7.49%	up to 84 Months
Details As Low As; Model Year: 2025 - 2026; Minimum loan amount: $40,000 for term 84 months Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
New and Used Vehicles Loan	-	-	8.99%	up to 60 Months
Details As Low As; Model Year: 2023- 2024 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
New and Used Vehicles Loan	-	-	9.99%	up to 72 Months
Details As Low As; Model Year: 2023- 2024; Minimum loan amount: $25,000 for term 72 months Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Used Vehicles - 2022 - 2023 Loan	-	-	9.99%	up to 36 Months
Details As Low As; Year: 2022 - 2023 Last Updated 10/12/2026 Rate History No change since Sep 21, 2026 · 9.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Used Vehicles - 2022 - 2023 Loan	-	-	9.99%	up to 48 Months
Details As Low As; Year: 2022 - 2023 Last Updated 10/12/2026 Rate History No change since Sep 21, 2026 · 9.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Used Vehicles - 2020 -2021 Loan	-	-	10.99%	up to 36 Months
Details As Low As; Year: 2020 -2021 Last Updated 10/12/2026 Rate History No change since Sep 21, 2026 · 10.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Used Vehicles - 2022 - 2023 Loan	-	-	10.99%	up to 60 Months
Details As Low As; Year: 2022 - 2023; Minimum loan amount is $25,000 for term 60 months Last Updated 10/12/2026 Rate History No change since Sep 21, 2026 · 10.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Used Vehicle Loan - 2019 or older	-	-	11.49%	up to 24 Months
Details As Low As; Model Year: 2019 or older Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Used Vehicles - 2020 -2021 Loan	-	-	11.49%	up to 48 Months
Details As Low As; Year: 2020 -2021 Last Updated 10/12/2026 Rate History No change since Sep 21, 2026 · 11.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Used Vehicles - (25 years and older) custom/classic Loan	-	-	11.99%	up to 36 Months
Details As Low As; Year: (25 years and older) custom/classic; Rates are based on an evaluation of credit history Last Updated 10/12/2026 Rate History No change since Sep 21, 2026 · 11.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Used Vehicles - (25 years and older) custom/classic Loan	-	-	11.99%	up to 48 Months
Details As Low As; Year: (25 years and older) custom/classic; Rates are based on an evaluation of credit history Last Updated 10/12/2026 Rate History No change since Sep 21, 2026 · 11.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Used Vehicles - (25 years and older) custom/classic Loan	-	-	11.99%	up to 60 Months
Details As Low As; Year: (25 years and older) custom/classic; Rates are based on an evaluation of credit history Last Updated 10/12/2026 Rate History No change since Sep 21, 2026 · 11.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%

Grand Heritage Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycles Loan	-	8.99%	up to 48 Months
Details As Low As; Year: New & Used 2025 - 2026; Rates are based on an evaluation of credit history Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Motorcycles Loan	-	9.49%	up to 60 Months
Details As Low As; Year: New & Used 2025 - 2026; Rates are based on an evaluation of credit history Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 9.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Boats, RV's and Campers - New Loan	-	9.99%	up to 36 Months
Details As Low As; Rates based on an evaluation of credit history Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 9.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Boats, RV's and Campers - New Loan	-	9.99%	up to 48 Months
Details As Low As; Rates based on an evaluation of credit history Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 9.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Boats, RV's and Campers - New Loan	-	10.49%	up to 60 Months
Details As Low As; Rates based on an evaluation of credit history Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Boats, RV's and Campers - Used Loan	-	10.99%	up to 36 Months
Details As Low As; Rates based on an evaluation of credit history Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Boats, RV's and Campers - Used Loan	-	11.49%	up to 48 Months
Details As Low As; Rates based on an evaluation of credit history Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 11.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Boats, RV's and Campers - Used Loan	-	11.49%	up to 60 Months
Details As Low As; Rates based on an evaluation of credit history Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 11.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Motorcycles Loan	-	11.49%	up to 48 Months
Details As Low As; Year: Used 2021 - 2024; Rates are based on an evaluation of credit history Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 11.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Snowmobiles and Jet Skis - New & Used Loan	-	12.99%	up to 12 Months
Details As Low As; Rates are based on an evaluation of credit history, so your rate may differ. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 12.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Snowmobiles and Jet Skis - New & Used Loan	-	12.99%	up to 24 Months
Details As Low As; Rates are based on an evaluation of credit history, so your rate may differ. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 12.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Snowmobiles and Jet Skis - New & Used Loan	-	12.99%	up to 36 Months
Details As Low As; Rates are based on an evaluation of credit history, so your rate may differ. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 12.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%

Grand Heritage Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Credit Card	-	9.95%
Details Fixed APR; Max $5000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.95% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%

Grand Heritage Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	8.95%	up to 12 Months
Details As Low As; Amount: $1,500; Rates are based on an evaluation of credit history Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.95% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Personal Loan	9.95%	up to 12 Months
Details As Low As; Amount: $2,500; Rates are based on an evaluation of credit history Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 8.95% → 9.95% ▲ 1.00 pts · high 9.95% / low 8.95% Oct 12, 20269.95%▲ from 8.95% Sep 14, 20268.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Personal Loan	9.95%	up to 24 Months
Details As Low As; Amount: $2,500; Rates are based on an evaluation of credit history Last Updated 10/12/2026 Rate History No change since Sep 21, 2026 · 9.95% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Open End Signature Loan	10.00%
Details As Low As; Fixed; Max $5000; Reviewed Every 24 Mo. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Personal Loan	10.95%	up to 12 Months
Details As Low As; Amount: $4,000; Rates are based on an evaluation of credit history Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 8.95% → 10.95% ▲ 2.00 pts · high 10.95% / low 8.95% Oct 12, 202610.95%▲ from 8.95% Sep 14, 20268.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Personal Loan	10.95%	up to 24 Months
Details As Low As; Amount: $4,000; Rates are based on an evaluation of credit history Last Updated 10/12/2026 Rate History 1 change since Sep 21, 2026 · 9.95% → 10.95% ▲ 1.00 pts · high 10.95% / low 9.95% Oct 12, 202610.95%▲ from 9.95% Sep 21, 20269.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Personal Loan	10.95%	up to 36 Months
Details As Low As; Amount: $4,000; Rates are based on an evaluation of credit history Last Updated 10/12/2026 Rate History No change since Sep 21, 2026 · 10.95% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%

Grand Heritage Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Pay Day Loan	-	-	28.00%	Up to 6 months
Details Amount: $800 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 28.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Grand Heritage Federal Credit Union’s Texas Ratio fell from 4.42% in Q3 2023 to 1.01% in Q2 2026, so its financial health has improved and is now 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; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$21M	1.01%	5.0	A+
March 31, 2026	$22M	1.11%	5.0	A+
December 31, 2025	$20M	0.00%	5.0	A+
September 30, 2025	$21M	0.95%	5.0	A+
June 30, 2025	$21M	0.04%	5.0	A+
March 31, 2025	$21M	1.02%	5.0	A+
December 31, 2024	$22M	18.79%	4.7	B+
September 30, 2024	$22M	1.82%	5.0	A+
June 30, 2024	$22M	2.10%	5.0	A+
March 31, 2024	$23M	5.23%	5.0	A+
December 31, 2023	$24M	1.72%	5.0	A+
September 30, 2023	$24M	4.42%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Grand Heritage Federal 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 Grand Heritage Federal 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 Grand Heritage Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Grand Heritage Federal Credit Union

Website https://ghfcu.com

Address 191 Madison St, Laporte, IN 46350-4185

Phone 219-324-5220

Fax 219-324-5814

President RONALD HEEG

CEO JERI HESTERS

Full-Time Employees 6

Part-Time Employees 2

Branch Locations 4

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.01%

Return on Assets (ROA)

0.0941%

Return on Equity (ROE)

0.9974%

Non-Performing Loans Ratio (NPL)

0.22%

Total Assets

21,489,114

Total Amount of Shares and Deposits

19,543,720

Total Shares and Deposits < 1 Year

19,543,720

Total Insured Shares and Deposits > $250K (item 17 less item K)

19,543,720

Total Interest Expense (Sum of items 6 8)

18,615

Share Certificates

Number of Accounts for Share Drafts

1,051

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,970

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

10,428

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)

2,620,177

Total Liabilities

19,461,727

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Grand Heritage Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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Frequently Asked Questions About Grand Heritage Federal Credit Union

How many branches does Grand Heritage Federal Credit Union operate?

Grand Heritage Federal 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 Grand Heritage Federal Credit Union?

Yes, to access services at Grand Heritage Federal 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, Grand Heritage Federal 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, Grand Heritage Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Grand Heritage Federal Credit Union offer online and mobile banking?

Most modern institutions like Grand Heritage Federal 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://ghfcu.com.