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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 742nd largest credit union in the nation. It was established in 1978 and as of June of 2016, it had grown to 90 employees and 27,291 members at 13 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.
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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.


Health Grade Components

NCUA #68385
Year Chartered1978
Primary Regulator
Profit Margin
Return on Assets - YTD0.63%
Return on Equity - YTD5.39%
Annual Interest Income$5.0MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$307.0MM$282.6MM
LoansQ2 2016vs Q2 2015$229.8MM$211.0MM
DepositsQ2 2016vs Q2 2015$249.0MM$236.4MM
Equity CapitalQ2 2016vs Q2 2015$35.5MM$35.1MM
Loan Loss AllowanceQ2 2016vs Q2 2015$1.2MM$1.3MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$671.00K$895.00K
Real Estate OwnedQ2 2016vs Q2 2015$93.00K$212.00K
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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

0.25%$100-Youth Savings
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

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

Heritage Credit Union Checking Account Rates

0.15%$100-Dividend Checking
0.05%$2,500-Free 50 Business Checking

Heritage Credit Union CD Rates

1.35%$1k-48 Month CD
1.25%$1k-36 Month CD
1.18%$5k-26 Month Rising CD Special
1.05%$1k-24 Month CD
1.00%$5k-17 Month Share Certificate Special
0.50%$1k-12 Month CD
0.20%$1k-6 Month CD

Heritage Credit Union has 13 locations. Click to view all Heritage Credit Union locations.