Heritage Usa Federal Credit Union Reviews and Rates

Heritage Usa Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.heritage-usa.net

432-681-1050

5507 W Wadley Ave
Midland, TX 79707

Heritage Usa Federal Credit Union is headquartered in Midland and is the 138^th largest credit union in the state of Texas. It is also the 1,746^th largest credit union in the nation. It was established in 1949 and as of March of 2025, it had grown to 30 employees and 6,827 members at 3 locations. Heritage Usa Federal Credit Union's CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Heritage USA Community Federal Credit Union is open to those who live, work, worship, or attend school in Ector County or Midland County, Texas.
See current membership details

Reviews

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	6434
Year Chartered	1949
Employees	30
Primary Regulator

Profit Margin
Return on Assets - YTD	0.18%
Return on Equity - YTD	1.76%
Annual Interest Income	$1.7MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$110.7MM$92.2MM
Loans	Q1 2025vs Q1 2024	$77.5MM$71.8MM
Deposits	Q1 2025vs Q1 2024	$98.4MM$80.9MM
Equity Capital	Q1 2025vs Q1 2024	$11MM$10.2MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$930K$756K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.5MM$349K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$5	-	Share Savings Account

Heritage Usa Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.08% → $2k - $25k \| 0.13% → $25k - $100k

Heritage Usa Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.25%	$500	$100k	6 Month CD
4.00%	$500	$100k	12 Month CD
3.25%	$500	$100k	24 Month CD

Heritage Usa Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.52%^*	$25k^*	-	IRA Accumulative & Rollover
OTHER TIERS: 2.29% → $5 - $25k

Locations

Heritage Usa Federal Credit Union Locations
Branch Office	2001 N Big Spring St	Midland, TX 79705-8820
Branch Office	5507 W Wadley Ave	Midland, TX 79707
Branch Office	1923 S County Road 1083	Midland, TX 79706

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