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Heritage Credit Union


Overview / Commentary
www.heritagecu.org
608-241-2191
4617 Liuna Way
Deforest, WI 53532

Heritage Credit Union is headquartered in DEFOREST and is the 20th largest credit union in the state of Wisconsin. It is also the 722nd largest credit union in the nation. It was established in 1978 and as of March of 2021, it had grown to 110 employees and 29,866 members at 12 locations. Heritage Credit Union has an A+ health rating.

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.
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Reviews (2)

Trash Bank

Posted by: |

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

1

Terrible Service, Would Not Recommend

Posted by: |

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.

6


Health
A+

Data as of Q1 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #68385
Year Chartered1978
Employees110
Primary Regulator
Profit Margin
Return on Assets - YTD1.16%
Return on Equity - YTD10.95%
Annual Interest Income$3.5MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$461.4MM$413.3MM
LoansQ1 2021vs Q1 2020$295.9MM$311.2MM
DepositsQ1 2021vs Q1 2020$380.1MM$342.9MM
Equity CapitalQ1 2021vs Q1 2020$48.4MM$42.8MM
Loan Loss AllowanceQ1 2021vs Q1 2020$1.6MM$1.5MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$786.00K$1.2MM
Real Estate OwnedQ1 2021vs Q1 2020$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Heritage 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.

† 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
0.17%†--Escrow
0.15%†--Save More Savings
0.10%†$100$5kYouth Savings
0.10%†--Saver's Sweepstakes
0.05%†$100-Holiday Club
0.02%†$100-Share Account
0.02%†$100-IRA Share

Heritage Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*†$75k*-High Yield Money Market
OTHER TIERS: 0.02% → $100 - $75k
0.20%*†$50k*-Save More Money Market Account
OTHER TIERS: 0.05% → $2k - $10k | 0.10% → $10k - $50k

Heritage Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%†-$25kSave More Checking
0.05%†$100-Dividend Checking
0.02%†$2.5k-Free 50 Business Checking

Heritage Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%--29 Month CD Special
0.40%†$500-48 Month CD
0.40%--15 Month CD Special
0.30%†$500-36 Month CD
0.25%†$500-24 Month CD
0.15%†$500-12 Month CD
0.10%†$500-6 Month CD

Heritage Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%†$500-48 Month IRA
0.30%†$500-36 Month IRA
0.25%†$500-24 Month IRA
0.15%†$500-12 Month IRA
0.10%†$500-6 Month IRA
Locations

Availability



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