Heritage Federal Credit Union (IN)

Overview / Commentary
5388 Old State Rd. 66
Newburgh, IN 47630

Heritage Federal Credit Union (IN) is headquartered in Newburgh and is the 13th largest credit union in the state of Indiana. It is also the 444th largest credit union in the nation. It was established in 1965 and as of March of 2022, it had grown to 239 employees and 65,300 members at 16 locations. Heritage Federal Credit Union (IN)'s savings rates are 44% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Heritage Federal Credit Union is open to those who live, work, worship, or attend school in the Indiana counties of Posey, Vanderburgh, or Warrick, or in Henderson County in Kentucky.
See current membership details

Reviews (1)

I will never switch!

Posted by: |

I have had an account with Heritage Federal Credit Union since I was a kid in school and have stuck by them as a secondary account even when I left Evansville. They have ALWAYS treated me respectfully and have assisted me many times. There have been two times in the last few years where they very much impressed me. I had made rather large purchases, which were definitely made by me. The purchases went through with my debit card just fine, but a member from the bank DID contact me anyway shortly after to ensure that the purchases were accurate because it was unusual activity. There was also a time recently where there was a hold on my account for a purchase that WAS NOT made by me, and a representative took care of it for me very quickly. She actually contacted me back after our initial conversation to let me know that they were looking into it further because it was a strange transaction (just seconds after a purchase that I DID make at the same location). She had the hold removed and I never had the transaction pull from my account. They are an amazing credit union and I will never close my account with them. I recommend them to everyone I know in Evansville.


Health Grade Components

NCUA #16626
Year Chartered1965
Primary Regulator
Profit Margin
Return on Assets - YTD0.76%
Return on Equity - YTD10.12%
Annual Interest Income$6.6MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$945.1MM$923.6MM
LoansQ1 2022vs Q1 2021$569.9MM$559.4MM
DepositsQ1 2022vs Q1 2021$814.3MM$799.6MM
Equity CapitalQ1 2022vs Q1 2021$70.1MM$73.1MM
Loan Loss AllowanceQ1 2022vs Q1 2021$3.9MM$4.8MM
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$3.2MM$3.4MM
Real Estate OwnedQ1 2022vs Q1 2021$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Heritage Federal Credit Union (IN) Savings Account Rates

1.00%--Health Savings Checking
0.75%*$750k*-Prime Performance Savings
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k | 0.25% $100k - $200k | 0.30% $200k - $250k | 0.40% $250k - $325k | 0.50% $325k - $500k | 0.65% $500k - $750k
0.75%*-$100kKasasa Saver
OTHER TIERS: 0.50% $100k+
0.50%--Companion Savings (w/ open Companion Certificate)
0.50%--Business Companion Savings (w/ open Companion Certificate)
0.30%--IRA Savings
0.20%--Graduate Planning Account (GPA)
0.15%*$25k*-Primary Share Account
OTHER TIERS: 0.05% $100 - $10k | 0.10% $10k - $25k
0.15%*$25k*-Christmas Club Account
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k
0.15%*$25k*-Primary Share< Age 19
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k
0.15%*$250k*-General Share
OTHER TIERS: 0.05% $100 - $10k | 0.10% $10k - $25k
0.15%*$250k*-General Club
OTHER TIERS: 0.05% $100 - $10k | 0.10% $10k - $25k
0.10%--Companion Savings (w/o open Companion Certificate)
0.10%--Business Companion Savings (w/out open Companion Certificate)
0.05%$1k-Business Primary Share
0.05%$1k-Business General Club

Heritage Federal Credit Union (IN) Money Market Rates

0.25%*$25k*-Money Market Checking
OTHER TIERS: 0.15% $1k - $10k | 0.20% $10k - $25k

Heritage Federal Credit Union (IN) Checking Account Rates

2.00%*-$25kKasasa Cash Checking
OTHER TIERS: 0.50% $25k+
0.10%$15k-Premium Business Checking
0.05%$500-Merit Checking
0.05%--Future Advantage Checking
0.05%--Prime Advantage Checking
0.05%$5k-Business Checking

Heritage Federal Credit Union (IN) CD Rates

0.55%$500-59 Month Companion CD
0.55%$500-47 Month Companion CD
0.55%$500-35 Month Companion CD
0.55%$500-23 Month Companion CD
0.55%$500-17 Month Companion CD
0.55%$500-Business 17 Month Companion CD
0.55%$500-Business 23 Month Companion CD
0.55%$500-Business 35 Month Companion CD
0.55%$500-Business 47 Month Companion CD
0.55%$500-Business 59 Month Companion CD
0.50%$500-4 Year CD
0.50%$500-5 Year CD
0.50%$500-Business 4 Year CD
0.50%$500-Business 5 Year CD
0.40%$500-1 Year CD
0.40%$500-2 Year CD
0.40%$500-3 Year CD
0.40%$2.5k-6 Month CD
0.40%$500-18 Month CD
0.40%$500-30 Month CD
0.40%$2.5k-Business 6 Month CD
0.40%$500-Business 1 Year CD
0.40%$500-Business 18 Month CD
0.40%$500-Business 2 Year CD
0.40%$500-Business 30 Month CD
0.40%$500-Business 3 Year CD
0.30%$2.5k-91 Day CD
0.30%$2.5k-Business 91 Day CD

Heritage Federal Credit Union (IN) IRA Rates

0.50%$500-4 Year IRA
0.50%$500-5 Year IRA
0.40%$2.5k-6 Month IRA
0.40%$500-1 Year IRA
0.40%$500-2 Year IRA
0.40%$500-3 Year IRA
0.40%$500-18 Month IRA
0.40%$500-30 Month IRA
0.30%$2.5k-91 Day IRA


Evansville Area

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