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: 0.05%, MMA: 0.15%

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Heritage Federal Credit Union

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Heritage Federal Credit Union Rates & Review September 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: September 21, 2026

Heritage Federal Credit Union's 7 Month CDs & IRAs rates are at 4.00%, 7-Month CD Special rates are at 4.00%, 13 Month CDs & IRAs rates are at 3.75%, 13-Month CD Special rates are at 3.75%, 3 Year CDs & IRAs rates are at 2.50%. Heritage Federal Credit Union's savings rates are at 0.05%. Heritage Federal Credit Union's money market rates are at 0.15%. Heritage Federal Credit Union's Auto Loan Rates are as low as 5.95%. Heritage Federal Credit Union's Credit Card Rates are at 10.25%. 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 0.82%. Rates last updated and verified on 09/21/2026.

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 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.82%

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

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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
7-Month Certificate Special	-	4.00%	7-Month
Min Deposit $2,500 Min Balance $2,500 Details Limited Time Only! Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
13 Month Certificates & IRAs	3.69%	3.75%	13 Month
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
13-Month Certificate Special	-	3.75%	13-Month
Min Deposit $2,500 Min Balance $2,500 Details Limited Time Only! Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
3 Year Certificates & IRAs	2.47%	2.50%	3 Year
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
4 Year Certificates & IRAs	2.47%	2.50%	4 Year
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
5 Year Certificates & IRAs	2.47%	2.50%	5 Year
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
2 Year Certificates & IRAs	2.23%	2.25%	2 Year
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
30 Month Certificates & IRAs	2.23%	2.25%	30 Month
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
18 Month Certificates & IRAs	2.08%	2.10%	18 Month
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
1 Year Certificates & IRAs	1.98%	2.00%	1 Year
Min Deposit $500 Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
6 Month Certificates & IRAs	1.74%	1.75%	6 Month
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
91 Day Certificates & IRAs	1.74%	1.75%	91 Day
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Prime Performance Savings	1.74%	1.75%
Min Deposit $10,000 Min Balance $500,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Prime Performance Savings	1.24%	1.25%
Min Deposit $10,000 Min Balance $325,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Health Savings Account	-	1.00%
Min Balance $0 Details 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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Prime Performance Savings	0.75%	0.75%
Min Deposit $10,000 Min Balance $250,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Rewards Savings	0.75%	0.75%
Min Balance $0 Details Qualifications Required; 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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Rewards Savings	0.50%	0.75%
Min Balance $100,000 Details Published APY range: 0.75% to 0.63%. Qualifications Required; 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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Prime Performance Savings	0.30%	0.30%
Min Deposit $10,000 Min Balance $200,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Prime Performance Savings	0.25%	0.25%
Min Deposit $10,000 Min Balance $100,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Prime Performance Savings	0.20%	0.20%
Min Deposit $10,000 Min Balance $50,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Christmas Club	0.15%	0.15%
Min Deposit $0 Min Balance $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Prime Performance Savings	0.15%	0.15%
Min Deposit $10,000 Min Balance $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Christmas Club	0.10%	0.10%
Min Deposit $0 Min Balance $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Prime Performance Savings	0.10%	0.10%
Min Deposit $10,000 Min Balance $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Christmas Club	0.05%	0.05%
Min Deposit $0 Min Balance $0 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Prime Performance Savings	0.05%	0.05%
Min Deposit $10,000 Min Balance $0 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Rewards Savings	0.05%	0.05%
Min Balance $0 Details Qualifications are NOT met. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

Heritage Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Business Money Market	-	3.75%
Min Deposit $10,000 Min Balance $10,000 Details Tier minimum Average Daily Balance of $10,000.00 - $149,499.99 = 2.25% APY; $150,000.00 - $349,999.99 = 2.85% APY; $350,000.00 - $499,999.99 = 3.00% APY; $500,000.00 and up = 3.75% APY. $10.00 monthly fee if $10,000 balance is not maintained. Interest will not be earned if balance drops below $10,000. Fees may reduce earnings. Contact Heritage for details. Government Regulation D permits only 6 pre-authorized or electronic withdrawals, including checks from a savings or money market account per monthly cycle. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

Heritage Federal Credit Union Checking Rates

Product	Rate	APY
Rewards Checking	3.35%	3.40%
Min Balance $0 Details Qualifications Required; APY range is based on an assumed account balance cap of $25,000 plus $100,000. The APY decreases as your balance increases above $25,000. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Money Market Checking	2.23%	2.25%
Min Deposit $1,000 Min Balance $750,000 Details Balance: $750,000.00 and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Money Market Checking	1.74%	1.75%
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 and over Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Money Market Checking	1.24%	1.25%
Min Deposit $1,000 Min Balance $325,000 Details Balance: $325,000.00 - $499,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
HSA Checking	1.00%	1.00%
Min Deposit $0 Min Balance $0 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Money Market Checking	0.75%	0.75%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00 - $324,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Money Market Checking	0.25%	0.25%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Money Market Checking	0.25%	0.25%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Money Market Checking	0.25%	0.25%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Money Market Checking	0.20%	0.20%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Money Market Checking	0.15%	0.15%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Rewards Checking	0.05%	0.05%
Min Balance $0 Details Qualifications are NOT met. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

Heritage Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	5.95%
Details As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

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	-	10.25%
Details Published APR range: 10.25% - 18.00%. Intro rate: 1.75% APR on new purchases and 0% APR on balance transfers for the first 6 billing cycles. Variable APR after promotional period. Balance transfers after the promotional period may be subject to a fee up to 4.00% of the amount transferred with a minimum of $10. On each foreign transaction, there is a fee of 1.00% of the transaction amount. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
General Share	0.10%	-	0.10%
Min Deposit $0 Min Balance $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
General Share	0.15%	-	0.15%
Min Deposit $0 Min Balance $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Individual Retirement Account (IRA)	0.30%	-	0.30%
Min Deposit $0 Min Balance $0 Details Rates are variable and may change after accounts are open. 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 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Primary Share	0.05%	-	0.05%
Min Deposit $5 Min Balance $100 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Primary Share	0.10%	-	0.10%
Min Deposit $5 Min Balance $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%
Primary Share	0.15%	-	0.15%
Min Deposit $5 Min Balance $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.82%

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 stayed near 1.14% in Q2 2023 to 0.82% 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

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
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+
June 30, 2023	$933M	1.14%	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 210

Part-Time Employees 10

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+ (100/100)

Texas Ratio

0.82%

Return on Assets (ROA)

0.2079%

Return on Equity (ROE)

1.7611%

Non-Performing Loans Ratio (NPL)

0.15%

Total Assets

1,057,367,051

Total Amount of Shares and Deposits

866,922,099

Total Shares and Deposits < 1 Year

838,624,097

Total Shares and Deposits 1 3 Years

26,825,958

Total Shares and Deposits > 3 Years

1,472,046

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

75,893,120

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

75,893,120

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

791,028,979

Total Interest Expense (Sum of items 6 8)

3,865,045

Share Certificates

5,258

Number of Accounts for Share Drafts

50,239

IRA KEOGH Accounts

1,602

Number of Accounts for Regular Shares

82,336

All other shares

2,064

Money Market Shares

1,416

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)

79,350,459

Total Liabilities

963,150,589

Source: NCUA — Last Updated 03/31/2026

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

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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%
Savings0.05%
MMA0.15%

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

Compare to Other Credit Unions

Heritage Federal Credit Union Rates & Review September 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

Heritage Federal Credit Union Savings Rates

Heritage Federal Credit Union Money Market Rates

Heritage Federal Credit Union Checking Rates

Heritage Federal Credit Union Auto Loan Rates

Heritage Federal Credit Union Credit Card Rates

Heritage Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Heritage Federal Credit Union earned the Verified Healthy badge

Customer Reviews

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

Compare to Other Credit Unions