Southwest Heritage Credit Union Rates and Review January 2026
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Brian McKay
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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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Compare Southwest Heritage Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Southwest Heritage Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilitySouthwest 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 CD rates or 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. Overall, Southwest Heritage Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
View 50 More
Credit Card Rate ComparisonVisa Classic
3.990%
Introductory Rate of 3.99% APR for 12 months on transactions in the first 90 days.
Security Service Power Cash Back World MasterCard
16.950% - 18.000%
Acme Visa Credit Card
9.990% - 18.000%
680 and above rate = 9.90% with Score Card points or 8.80% with No points.
640-679 rate = 10.80%.
600-639 rate = 12.84%.
599 and below rate = 18.00%.
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonSignature Loan
10.500%
$0
Debt Consolidation Loan
11.240% - 17.950%
$0
25 - 36
Personal Loan
13.740%
$0
60
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have Southwest Heritage Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Southwest Heritage Credit Union
Website: https://swhcu.com/
Full Time Employees: 69Part Time Employees: 1 President: Edgar Baiza Jr CEO: Ronny Haynes Branch Locations: 5 ATM Locations: 2 Corporate Office Address:
4100 N Faudree Rd
Odessa, TX 79765 8511 Phone Number: 432-250-6040 Fax Number: 432-561-9536 FinancialsTotal 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
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Source: NCUA Last Updated 09/30/2025
Customer ReviewsThere are no reviews for Southwest Heritage Credit Union yet. Feel free to create one below.
Add Your Rating and Review for Southwest Heritage Credit Union
Frequently Asked Questions About Southwest Heritage Credit UnionIs a member application needed to join Southwest Heritage Credit Union?Yes, to access services at Southwest Heritage Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Southwest Heritage Credit Union provides a range of mortgage and home equity products. Is Southwest Heritage Credit Union a safe place to deposit money?Yes, Southwest Heritage Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Southwest Heritage Credit Union offer online and mobile banking?Most modern institutions like Southwest Heritage Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 2.50%, 6-month CD rates at 2.75% and 3-month CD rates at 0.55%. Savings rates are at 0.25% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.18%. Credit Card rates are at 15.24%. Personal Loan rates are at 10.25%. All these rates, and more, can be found in our database of rates which you can compare to 
