Heritage Credit Union

Overview / Commentary
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 701st largest credit union in the nation. It was established in 1978 and as of December of 2019, it had grown to 109 employees and 30,021 members at 13 locations. Heritage Credit Union's money market rates are 14% higher than the national average, and it boasts 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 (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.


Health Grade Components

NCUA #68385
Year Chartered1978
Primary Regulator
Profit Margin
Return on Assets - YTD0.62%
Return on Equity - YTD5.43%
Annual Interest Income$14.8MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$389.4MM$350.9MM
LoansQ4 2019vs Q4 2018$311.6MM$280.0MM
DepositsQ4 2019vs Q4 2018$313.2MM$293.8MM
Equity CapitalQ4 2019vs Q4 2018$43.5MM$41.6MM
Loan Loss AllowanceQ4 2019vs Q4 2018$1.4MM$1.2MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$1.1MM$1.2MM
Real Estate OwnedQ4 2019vs Q4 2018$0$31.00K
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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

0.25%$100$5kYouth Savings
0.20%--Save More 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

0.50%*$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

0.40%-$25kSave More Checking
0.05%$100-Dividend Checking
0.02%$2.5k-Free 50 Business Checking

Heritage Credit Union CD Rates

0.60%$500-48 Month CD
0.40%$500-36 Month CD
0.30%$500-24 Month CD
0.20%$500-12 Month CD
0.10%$500-6 Month CD

Heritage Credit Union IRA Rates

0.60%$500-6 Month IRA
0.40%$500-12 Month IRA
0.30%$500-24 Month IRA
0.20%$500-36 Month IRA
0.10%$500-48 Month IRA


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