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Heritage Federal Credit Union (IN)

Heritage Federal Credit Union (IN)


Overview / Commentary
www.heritagefederal.org
812-253-6928
5388 Old State Rd. 66
Newburgh, IN 47630

Heritage Federal Credit Union (IN) is headquartered in Newburgh and is the 14th largest credit union in the state of Indiana. It is also the 456th largest credit union in the nation. It was established in 1965 and as of December of 2022, it had grown to 221 employees and 65,401 members at 18 locations. Heritage Federal Credit Union (IN)'s money market rates are 5X 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

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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.

1


Health
B

Data as of Q4 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #16626
Year Chartered1965
Employees221
Primary Regulator
Profit Margin
Return on Assets - YTD0.81%
Return on Equity - YTD12.41%
Annual Interest Income$29.8MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$929.6MM$929.4MM
LoansQ4 2022vs Q4 2021$649.2MM$562.2MM
DepositsQ4 2022vs Q4 2021$774.3MM$791.2MM
Equity CapitalQ4 2022vs Q4 2021$60.2MM$78.5MM
Loan Loss AllowanceQ4 2022vs Q4 2021$4.2MM$4.3MM
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$3.9MM$3.8MM
Real Estate OwnedQ4 2022vs Q4 2021$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Heritage Federal Credit Union (IN); we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%*$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 | 0.75% → $250k - $325k | 1.25% → $325k - $500k | 1.75% → $500k - $750k
1.00%--Health Savings Checking
0.75%*-$100kKasasa Saver
OTHER TIERS: 0.50% → $100k+
0.50%--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%*$25k*-General Share
OTHER TIERS: 0.05% → $100 - $10k | 0.10% → $10k - $25k
0.15%*$25k*-General Club
OTHER TIERS: 0.05% → $100 - $10k | 0.10% → $10k - $25k
0.10%--Companion Savings (w/o open Companion Certificate)

Heritage Federal Credit Union (IN) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%*$750k*-Money Market Checking
OTHER TIERS: 0.15% → $1k - $10k | 0.20% → $10k - $25k | 0.25% → $25k - $250k | 0.75% → $250k - $325k | 1.25% → $325k - $500k | 1.75% → $500k - $750k

Heritage Federal Credit Union (IN) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.40%*-$25kKasasa Cash Checking
OTHER TIERS: 0.50% → $25k+
0.05%$500-Merit Checking
0.05%--Future Advantage Checking
0.05%--Prime Advantage Checking

Heritage Federal Credit Union (IN) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$500-13 Month CD Special
1.05%$500-5 Year CD
1.00%$500-4 Year CD
0.95%$500-3 Year CD
0.90%$500-30 Month CD
0.85%$500-2 Year CD
0.80%$500-18 Month CD
0.70%$500-1 Year CD
0.60%$2.5k-6 Month CD
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
0.40%$2.5k-91 Day CD

Heritage Federal Credit Union (IN) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$500-13 Month IRA Special
1.05%$500-5 Year IRA
1.00%$500-4 Year IRA
0.95%$500-3 Year IRA
0.90%$500-30 Month IRA
0.85%$500-2 Year IRA
0.80%$500-18 Month IRA
0.70%$500-1 Year IRA
0.60%$2.5k-6 Month IRA
0.40%$2.5k-91 Day IRA
Locations

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