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Overview / Commentary
50 W Commerce Rd
Richmond, VA 23224

Richmond Heritage Federal Credit Union is headquartered in Richmond and is the 103rd largest credit union in the state of Virginia. It is also the 4,645th largest credit union in the nation. It was established in 1936 and as of June of 2016, it had grown to 3 employees and 1,850 members at 1 location. Richmond Heritage Federal Credit Union has a C health rating.

Field of Membership Restrictions

Membership in Richmond Heritage Federal Credit Union is open to those who live, worship, or work in the communities of Blackwell, Swansboro, and Manchester or employees of Richmond Public Schools, Virginia Union University, Richmond Metropolitan Business League, Richmond Community Hospital, or Association Education Services Corporation of Virginia.
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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. Richmond Heritage Federal Credit Union has a very low asset base.

Health Grade Components

NCUA #1282
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD-0.17%
Return on Equity - YTD-2.17%
Annual Interest Income$154.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$6.9MM$7.0MM
LoansQ2 2016vs Q2 2015$3.2MM$4.1MM
DepositsQ2 2016vs Q2 2015$6.3MM$6.5MM
Equity CapitalQ2 2016vs Q2 2015$554.00K$556.00K
Loan Loss AllowanceQ2 2016vs Q2 2015$83.00K$83.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$98.00K$65.00K
Real Estate OwnedQ2 2016vs Q2 2015$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.

Richmond Heritage Federal Credit Union Savings Account Rates

0.10%*$10k*-Regular Share Account
OTHER TIERS: 0.05% $50 - $10k
0.05%--Vacation Club Account
0.05%--Christmas Club Account

Richmond Heritage Federal Credit Union CD Rates

0.75%$2k-12 Month Share CD
0.35%$2k-6 Month Share CD

Richmond Heritage Federal Credit Union Locations
Branch Office50 W Commerce RdRichmond, VA 23224-2316