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Heritage Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.30%1-year CD12 Month CD
1.40% - Synchrony Bank 12 Month CDAdvertisement
0.05%SavingsShare Account
1.15% - CIT Bank Spring Savings
1.00%4-year CD48 Month CD
1.50% - Ally Bank Raise Your Rate 4-Year CDAdvertisement
View all Heritage Credit Union rates »

Overview / Commentary
www.heritagecu.org
608-268-5090
1212 Huxley St
Madison, WI 53704

Heritage Credit Union is headquartered in MADISON and is the 20th largest credit union in the state of Wisconsin. It is also the 745th largest credit union in the nation. It was established in 1978 and as of March of 2017, it had grown to 88 employees and 27,320 members at 12 locations. Heritage Credit Union's money market rates are 48% higher than the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Heritage Credit Union of Wisconsin is open to the residents and the people that maintain employment within the qualified counties of Illinois and Wisconsin that are listed on the credit union website, along with the employees and members of the credit union affiliated select employee groups and organizations that are listed on the credit union website and the family members of these eligible people.
See current membership details

Related Posts

$100 Money Market Promotion In WI And IL - 11/10/2016

Looks similar to their checking promo which is still active. Heritage Credit Union will email you a coupon to qualify you for the $100 bonus. From the small print Coupon must be presented by December 31, 2016, and prior to opening the account. Receive $100 bonus for opening a new money market and depositing at least $10,000 or more within 10 days of opening and maintaining at least $10,000 balance for 90 days after deposit. Receive $50 bonus for opening a new money market and depositing $5,000-$9,999.99 within 10 days of opening and maintaining a balance of $5,000-$9,999.99 for 90 days after deposit. Promotion link

$100 Checking Account Bonus In WI And IL - 10/22/2016

Heritage Credit Union will email you a coupon to qualify you for the $100 bonus. from the small print: Coupon must be presented by December 31, 2016, and prior to opening the account. $100 will be credited to your Heritage primary share account within 30 days of receipt of your first direct deposit of $100 or more into a new qualifying checking account. Direct deposit must be received within 30 days of opening new checking account Promotion link

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Reviews (1)

Terrible Service, Would Not Recommend

Posted by: misha07 | Mar 15, 2013

Terrible service - online, in person, over the phone. After setting up my account, I didn't receive my debit card in the mail for 2 weeks, and then had to wait another week to receive my pin number. Then teller services couldn't activate my card. I couldn't set up online banking because they had entered my personal information wrong and misspelled "gmail.com". I've banked with multiple other credit unions and never had a single problem. I will be switching as soon as they let me access my card and money again. Would not recommend this credit union to anyone.

4


Health
A+

Data as of Q1 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #68385
Year Chartered1978
Employees88
Primary Regulator
Profit Margin
Return on Assets - YTD0.65%
Return on Equity - YTD5.6%
Annual Interest Income$2.7MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$323.5MM$296.0MM
LoansQ1 2017vs Q1 2016$242.0MM$223.1MM
DepositsQ1 2017vs Q1 2016$268.0MM$250.6MM
Equity CapitalQ1 2017vs Q1 2016$37.1MM$35.0MM
Loan Loss AllowanceQ1 2017vs Q1 2016$1.0MM$1.2MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$683.00K$702.00K
Real Estate OwnedQ1 2017vs Q1 2016$168.00K$40.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Heritage Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%†$100-Youth Savings
0.15%†--Escrow
0.05%†$100-Share Account
0.05%†$100-IRA Share
0.05%†$100-CESA Share
0.05%†$100-Holiday Club

Heritage Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%*†$250k*-High Yield Money Market
OTHER TIERS: 0.05% → $100 - $75k | 0.35% → $75k - $125k | 0.45% → $125k - $200k | 0.55% → $200k - $250k
0.25%*†$100k*-Money Market Account
OTHER TIERS: 0.05% → $2k - $10k | 0.10% → $10k - $25k | 0.15% → $25k - $50k | 0.20% → $50k - $100k
0.25%*†$100k*-IRA Money Market Account
OTHER TIERS: 0.05% → $2k - $10k | 0.10% → $10k - $25k | 0.15% → $25k - $50k | 0.20% → $50k - $100k

Heritage Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.11%†$100-Dividend Checking
0.05%†$2,500-Free 50 Business Checking

Heritage Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%$1k-34 Month CD Special
1.50%$1k-20 Month CD Special
1.30%†$1k-13 Month CD Special
1.00%†$1k-48 Month CD
0.80%†$1k-36 Month CD
0.50%†$1k-24 Month CD
0.30%†$1k-12 Month CD
0.15%†$1k-6 Month CD

Heritage Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%$1k-34 Month IRA Special
1.50%$1k-20 Month IRA Special
1.30%$1k-13 Month IRA Special
1.00%$1k-48 Month IRA
0.80%$1k-36 Month IRA
0.50%$1k-24 Month IRA
0.30%$1k-12 Month IRA
0.15%$1k-6 Month IRA
Locations

Heritage Credit Union has 12 locations. Click to view all Heritage Credit Union locations.