What are the current interest rates at Heritage Federal Credit Union?

Current rates for Heritage Federal Credit Union include: 12-Month CD: 2.00%, 18-Month CD: 2.10%, 24-Month CD: 2.25%, 60-Month CD: 2.50%, Savings: 2.25%, MMA: 3.75%

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Heritage Federal Credit Union

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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, 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 9, 2026

Heritage Federal Credit Union's top rates as of October 9, 2026 are 4.00% APY on its 7 Month CDs & IRAs CD, 2.25% APY on savings, 3.75% APY on money market accounts, 3.40% APY on checking, auto loans from 6.10% APR, and credit cards from 10.50% APR, according to rates verified by MonitorBankRates. Other Heritage Federal Credit Union CD rates include 7-Month CD Special at 4.00%, 13 Month CDs & IRAs at 3.75%, and 13-Month CD Special at 3.75%. MonitorBankRates evaluates the financial stability of Heritage Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.78%. Rates last updated and verified on 10/09/2026.

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

1.78%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Heritage Federal Credit Union
Newburgh - Bell Oaks

8266 Bell Oaks Dr
Newburgh, IN 47630

https://www.heritagefederal.org

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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.

Heritage Federal Credit Union CD Rates

Product	Rate	APY	Term
7 Month Certificates & IRAs	3.93%	4.00%	7 Month
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
7-Month Certificate Special	-	4.00%	7-Month
Min Deposit $2,500 Min Balance $2,500 Details Early withdrawal penalty equals 90-days dividend on the amount withdrawn. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
13 Month Certificates & IRAs	3.69%	3.75%	13 Month
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
13-Month Certificate Special	-	3.75%	13-Month
Min Deposit $2,500 Min Balance $2,500 Details Early withdrawal penalty equals 180-days dividend on the amount withdrawn. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
3 Year Certificates & IRAs	2.47%	2.50%	3 Year
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
4 Year Certificates & IRAs	2.47%	2.50%	4 Year
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
5 Year Certificates & IRAs	2.47%	2.50%	5 Year
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
2 Year Certificates & IRAs	2.23%	2.25%	2 Year
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
30 Month Certificates & IRAs	2.23%	2.25%	30 Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
18 Month Certificates & IRAs	2.08%	2.10%	18 Month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 2.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
1 Year Certificates & IRAs	1.98%	2.00%	1 Year
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
6 Month Certificates & IRAs	1.74%	1.75%	6 Month
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 1.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
91 Day Certificates & IRAs	1.74%	1.75%	91 Day
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 1.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%

Heritage Federal Credit Union Savings Rates

Product	Rate	APY
Prime Performance Savings	2.23%	2.25%
Min Deposit $10,000 Min Balance $750,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Prime Performance Savings	1.74%	1.75%
Min Deposit $10,000 Min Balance $500,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Prime Performance Savings	1.24%	1.25%
Min Deposit $10,000 Min Balance $325,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Health Savings Account	-	1.00%
Details APY = Annual Percentage Yield. Annual Percentage Yields are accurate as of 10/19/2022 and are subject to change. Fees or other conditions could reduce the earnings on these accounts. Rates may change after accounts are opened. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Prime Performance Savings	0.75%	0.75%
Min Deposit $10,000 Min Balance $250,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Rewards Savings	0.75%	0.75%
Min Balance $0 Details Qualifications Required: 12 debit card purchases; enrolled in and log into digital banking; enrolled to receive e-statements; at least 1 direct deposit into the account; Balance: $0.00 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Rewards Savings	0.50%	0.75%
Min Balance $100,000 Details Published APY range: 0.75% to 0.63%. Qualifications Required: 12 debit card purchases; enrolled in and log into digital banking; enrolled to receive e-statements; at least 1 direct deposit into the account; Balance: $100,000.00 and over; The APY range is based on an assumed account balance cap of $100,000 plus $100,000. The APY decreases as your balance increases above $100,000. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Prime Performance Savings	0.30%	0.30%
Min Deposit $10,000 Min Balance $200,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Prime Performance Savings	0.25%	0.25%
Min Deposit $10,000 Min Balance $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Prime Performance Savings	0.20%	0.20%
Min Deposit $10,000 Min Balance $50,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Christmas Club	0.15%	0.15%
Min Deposit $0 Min Balance $25,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Prime Performance Savings	0.15%	0.15%
Min Deposit $10,000 Min Balance $25,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Christmas Club	0.10%	0.10%
Min Deposit $0 Min Balance $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Prime Performance Savings	0.10%	0.10%
Min Deposit $10,000 Min Balance $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Christmas Club	0.05%	0.05%
Min Deposit $0 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Prime Performance Savings	0.05%	0.05%
Min Deposit $10,000 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Rewards Savings	0.05%	0.05%
Min Balance $0 Details if qualifications are NOT met Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%

Heritage Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	-	3.75%
Min Deposit $10,000 Min Balance $500,000 Details Balance: $500,000.00 and up Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Business Money Market	-	3.00%
Min Deposit $10,000 Min Balance $350,000 Details Balance: $350,000.00 - $499,999.99 Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Business Money Market	-	2.85%
Min Deposit $10,000 Min Balance $150,000 Details Balance: $150,000.00 - $349,999.99 Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Business Money Market	-	2.25%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000.00 - $149,499.99 Last Updated 10/09/2026 Rate History 3 changes since Sep 21, 2026 · 3.75% → 2.25% ▼ 1.50 pts · high 3.75% / low 2.25% Oct 9, 20262.25%▼ from 3.75% Oct 5, 20263.75%▲ from 2.25% Sep 25, 20262.25%▼ from 3.75% Sep 21, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%

Heritage Federal Credit Union Checking Rates

Product	Rate	APY
Rewards Checking	3.35%	3.40%
Min Balance $0 Details Qualifications Required: 12 debit card purchases; enrolled in and log into digital banking; enrolled to receive e-statements; at least 1 direct deposit into the account; Balance: $0.00 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Money Market Checking	2.23%	2.25%
Min Deposit $1,000 Min Balance $750,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Money Market Checking	1.74%	1.75%
Min Deposit $1,000 Min Balance $500,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Money Market Checking	1.24%	1.25%
Min Deposit $1,000 Min Balance $325,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
HSA Checking	1.00%	1.00%
Min Deposit $0 Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Money Market Checking	0.75%	0.75%
Min Deposit $1,000 Min Balance $250,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Money Market Checking	0.25%	0.25%
Min Deposit $1,000 Min Balance $25,000 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Money Market Checking	0.25%	0.25%
Min Deposit $1,000 Min Balance $50,000 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Money Market Checking	0.25%	0.25%
Min Deposit $1,000 Min Balance $100,000 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Money Market Checking	0.20%	0.20%
Min Deposit $1,000 Min Balance $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Money Market Checking	0.15%	0.15%
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Rewards Checking	0.05%	0.05%
Min Balance $0 Details Balance: $0.00 - $24,999.99; if qualifications are NOT met Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%

Heritage Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	6.10%
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.95% → 6.10% ▲ 0.15 pts · high 6.10% / low 5.95% Oct 5, 20266.10%▲ from 5.95% Sep 14, 20265.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%

Heritage Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
My Choice, My Choice Plus, My Preferred, and My Preferred Plus VISA Credit Card	-	10.50%
Details Published APR range: 10.50% - 18.00%. Variable APR between 10.50% and 18.00%. The Annual Percentage Rate is variable and may vary with the market based on the Prime Rate. Last Updated 10/09/2026 Rate History 1 change since Sep 29, 2026 · 10.25% → 10.50% ▲ 0.25 pts · high 10.50% / low 10.25% Oct 9, 202610.50%▲ from 10.25% Sep 29, 202610.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%

Heritage Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
General Share	0.05%	-	0.05%
Min Deposit $0 Min Balance $100 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
General Share	0.10%	-	0.10%
Min Deposit $0 Min Balance $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
General Share	0.15%	-	0.15%
Min Deposit $0 Min Balance $25,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Individual Retirement Account (IRA)	0.30%	-	0.30%
Min Deposit $0 Min Balance $0 Details GPA Account - A penalty of six months dividends, based on current dividend rates, may be imposed on any amount withdrawn before the account has been open for three years unless the funds are used for qualified educational purposes. IRA share accounts, until you have reached 59 and 1/2 years of age, we will require that you give us at least 90 days advance written notice of your intent to withdraw funds. Penalties may be imposed for early withdrawals. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Primary Share	0.05%	-	0.05%
Min Deposit $5 Min Balance $100 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Primary Share	0.10%	-	0.10%
Min Deposit $5 Min Balance $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%
Primary Share	0.15%	-	0.15%
Min Deposit $5 Min Balance $25,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.78%

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

Heritage Federal Credit Union’s Texas Ratio rose from 1.03% in Q3 2023 to 1.78% in Q2 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

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	$1.0B	1.78%	5.0	A+
March 31, 2026	$1.1B	0.82%	5.0	A+
December 31, 2025	$1.0B	1.51%	5.0	A+
September 30, 2025	$1.0B	1.73%	5.0	A+
June 30, 2025	$1.0B	1.03%	5.0	A+
March 31, 2025	$1.0B	1.19%	5.0	A+
December 31, 2024	$984M	1.76%	5.0	A+
September 30, 2024	$969M	1.81%	5.0	A+
June 30, 2024	$958M	1.41%	5.0	A+
March 31, 2024	$969M	1.27%	5.0	A+
December 31, 2023	$943M	1.21%	5.0	A+
September 30, 2023	$931M	1.03%	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 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 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 Heritage Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Heritage Federal Credit Union

Website https://www.heritagefederal.org

Address 8266 Bell Oaks Dr, Newburgh, IN 47630

Phone 812-853-8808

Fax 812-858-6535

President Nicolette Sledd

CEO Tony Aylsworth

Full-Time Employees 214

Part-Time Employees 8

Branch Locations 18

ATM Locations 18

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

1.78%

Return on Assets (ROA)

0.4651%

Return on Equity (ROE)

3.7670%

Non-Performing Loans Ratio (NPL)

0.33%

Total Assets

1,032,045,966

Total Amount of Shares and Deposits

855,919,446

Total Shares and Deposits < 1 Year

842,580,754

Total Shares and Deposits 1 3 Years

11,766,230

Total Shares and Deposits > 3 Years

1,572,463

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

75,222,082

Total Uninsured Shares and Deposits > $250K (F+J)

75,222,082

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

780,697,364

Total Interest Expense (Sum of items 6 8)

7,476,620

Share Certificates

5,026

Number of Accounts for Share Drafts

50,431

IRA KEOGH Accounts

1,578

Number of Accounts for Regular Shares

82,109

All other shares

2,045

Money Market Shares

1,393

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)

58,590,528

Total Liabilities

935,575,870

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Heritage Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Heritage Federal Credit Union

How many branches does Heritage Federal Credit Union operate?

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 Heritage Federal Credit Union?

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

Does Heritage Federal Credit Union offer online and mobile banking?

Most modern institutions like 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://www.heritagefederal.org.

Current Heritage Federal Credit Union Rates

12-Month CD2.00%
18-Month CD2.10%
24-Month CD2.25%
60-Month CD2.50%
Savings2.25%
MMA3.75%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Heritage Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Heritage Federal Credit Union Texas Ratio

Heritage Federal Credit Union Health Trend

Heritage Federal Credit Union CD Rates

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Heritage Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Heritage Federal Credit Union

How many branches does Heritage Federal Credit Union operate?

Is a member application needed to join Heritage Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Heritage Federal Credit Union offer online and mobile banking?

Current Heritage Federal Credit Union Rates

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