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Heritage Credit Union


Overview / Commentary
www.heritagecu.org
608-241-2191
1212 Huxley St
Madison, WI 53704

Heritage Credit Union is headquartered in DEFOREST and is the 20th largest credit union in the state of Wisconsin. It is also the 705th largest credit union in the nation. It was established in 1978 and as of December of 2020, it had grown to 109 employees and 30,063 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 Q4 2020

Learn why bank health matters

Health Grade Components

Overall
NCUA #68385
Year Chartered1978
Employees109
Primary Regulator
Profit Margin
Return on Assets - YTD0.56%
Return on Equity - YTD5.49%
Annual Interest Income$15.2MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$451.1MM$389.4MM
LoansQ4 2020vs Q4 2019$298.9MM$311.6MM
DepositsQ4 2020vs Q4 2019$363.9MM$313.2MM
Equity CapitalQ4 2020vs Q4 2019$45.0MM$43.5MM
Loan Loss AllowanceQ4 2020vs Q4 2019$1.6MM$1.4MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$1.1MM$1.1MM
Real Estate OwnedQ4 2020vs Q4 2019$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
0.60%--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



The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.