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Heritage Usa Federal Credit Union

Popular Accounts at this Credit Union

0.25%1-year CD12 Month CD
0.05%SavingsShare Savings Account
0.30%2-year CD24 Month CD

Overview / Commentary
5507 W Wadley Ave
Midland, TX 79707

Heritage Usa Federal Credit Union is headquartered in Midland and is the 180th largest credit union in the state of Texas. It is also the 2,350th largest credit union in the nation. It was established in 1949 and as of June of 2017, it had grown to 17 employees and 5,737 members at 2 locations. Heritage Usa Federal Credit Union has a B health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Midland or Ector County.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Heritage Usa Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #6434
Year Chartered1949
Primary Regulator
Profit Margin
Return on Assets - YTD0.44%
Return on Equity - YTD6.31%
Annual Interest Income$811.00K
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$50.1MM$49.9MM
LoansQ2 2017vs Q2 2016$35.3MM$24.8MM
DepositsQ2 2017vs Q2 2016$45.8MM$45.7MM
Equity CapitalQ2 2017vs Q2 2016$3.5MM$3.9MM
Loan Loss AllowanceQ2 2017vs Q2 2016$239.00K$193.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$32.00K$368.00K
Real Estate OwnedQ2 2017vs Q2 2016$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Heritage Usa Federal Credit Union Savings Account Rates

0.30%*$25k*-IRA Accumulative & Rollover
OTHER TIERS: 0.25% Up to $25k
0.05%--Share Savings Account

Heritage Usa Federal Credit Union Money Market Rates

0.13%*$25k*-Money Market Account
OTHER TIERS: 0.08% $2k - $25k

Heritage Usa Federal Credit Union CD Rates

0.30%$500$100k24 Month CD
0.25%$500$100k12 Month CD
0.20%$500$100k6 Month CD

Heritage Usa Federal Credit Union Locations
Branch Office2001 N Big Spring StMidland, TX 79705-8820
Branch Office5507 W Wadley AveMidland, TX 79707