Heritage Federal Credit Union


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

Heritage Federal Credit Union is headquartered in Newburgh and is the 14th largest credit union in the state of Indiana. It is also the 459th largest credit union in the nation. It was established in 1965 and as of March of 2024, it had grown to 206 employees and 66,364 members at 19 locations. Heritage Federal Credit Union'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 Clark, Crawford, Davies, Floyd, Gibson, Harrison, Knox, Perry, Pike, Posey, Spencer, Vanderburgh, or Warrick; the Kentucky counties of Crittenden, Daviess, Hancock, Henderson, Hopkins, McLean, Ohio, Union, or Webster; or the Illinois counties of Gallatin, Hardin, Lawrence, Wabash, or White. Immediate family and household members of a current Heritage Federal Credit Union members are also eligible for membership.
See current membership details

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Health
B+

Health Grade Components

Overall
NCUA #16626
Year Chartered1965
Employees206
Primary Regulator
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD8.31%
Annual Interest Income$10.8MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$969MM$931.2MM
LoansQ1 2024vs Q1 2023$688.5MM$656.4MM
DepositsQ1 2024vs Q1 2023$807.3MM$793MM
Equity CapitalQ1 2024vs Q1 2023$66.4MM$65MM
Loan Loss AllowanceQ1 2024vs Q1 2023$6.3MM$5.6MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$1.5MM$1.8MM
Real Estate OwnedQ1 2024vs Q1 2023$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; 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 Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%*$750k*-Prime Performance Savings
OTHER TIERS: 0.05% $0 - $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%$0-Health Savings Checking
0.75%*$0$100kRewards Savings
OTHER TIERS: 0.50% $100k+
0.30%$0-IRA Savings
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% $0 - $10k | 0.10% $10k - $25k
0.15%*$25k*-Primary Share < Age 19
OTHER TIERS: 0.05% $0 - $10k | 0.10% $10k - $25k
0.15%*$25k*-General Share
OTHER TIERS: 0.05% $100 - $10k | 0.10% $10k - $25k

Heritage Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%*$500k*-Business Money Market Checking
OTHER TIERS: 2.25% $10k - $150k | 2.85% $150k - $350k | 3.00% $350k - $500k
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 Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.40%*$0$25kRewards Checking
OTHER TIERS: 0.50% $25k+

Heritage Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.10%$500-14 Month CD Special
2.50%$500-3 Year CD
2.50%$500-4 Year CD
2.50%$500-5 Year CD
2.25%$500-2 Year CD
2.25%$500-30 Month CD
2.10%$500-18 Month CD
2.00%$500-1 Year CD
1.75%$2.5k-91 Day CD
1.75%$2.5k-6 Month CD

Heritage Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.10%$500-14 Month IRA Special
2.50%$500-3 Year IRA
2.50%$500-4 Year IRA
2.50%$500-5 Year IRA
2.25%$500-2 Year IRA
2.25%$500-30 Month IRA
2.10%$500-18 Month IRA
2.00%$500-1 Year IRA
1.75%$2.5k-91 Day IRA
1.75%$2.5k-6 Month IRA
Locations

Availability



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