Heritage Credit Union
Field of Membership Restrictions
Heritage Credit Union is open to anyone who lives or works in Boone, Jo Daviess, Lake, Knox, McHenry, WArren, Stephenson, or Winnebago counties in Illinois or the Wisconsin counties of Chippewa, Barron, Columbia, Dane, Dodge, Lincoln, Iowa, Milwaukee, Oneida, Price, Ozaukee, Rusk, Racine, Sauk, Waukesha, Washington, Taylor, or within 15 miles of Chetek or 25 miles of Sheldon. Membership is also open to employees or members of Kraft or Bombardier Company and its major U.S. subsidiaries, Rockwell Automation and its subsidiaries, Harley Owners Group, Buell Riders Adventure Group, and BMW Motorcycle Owners of America Group or its successor organizations of any motorcycle dealer located in Boone, Knox, Jo Daviess, Winnebago, Lake, Warren, Stephenson, or McHenry county Illinois or in the state of Wisconsin.
See current membership details
Trash Bank
Trash bank, charges $6 withdrawal fees for taking our your own money. They'll even charge the fee months later when you don't expect it
Terrible Service, Would Not Recommend
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.
Data as of Q4 2021
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 66538 |
| Year Chartered | 1935 |
| Employees | 503 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.97% |
| Return on Equity - YTD | 18.96% |
| Annual Interest Income | $237.0MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2021vs Q4 2020 | $3.88B$3.24B |
| Loans | Q4 2021vs Q4 2020 | $3.40B$2.81B |
| Deposits | Q4 2021vs Q4 2020 | $3.46B$2.89B |
| Equity Capital | Q4 2021vs Q4 2020 | $395.9MM$319.7MM |
| Loan Loss Allowance | Q4 2021vs Q4 2020 | $19.7MM$17.3MM |
| Unbacked Noncurrent Loans | Q4 2021vs Q4 2020 | $59.7MM$38.2MM |
| Real Estate Owned | Q4 2021vs Q4 2020 | $155.00K$0 |
