Richmond Heritage Federal Credit Union

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12 Month CD

Great Rates + Safety
= Peace of Mind. Member FDIC.

1.40% APY

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1.20% APY

Overview / Commentary

www.rtfcu.org

804-233-8872

50 W Commerce Rd
Richmond, VA 23224

Richmond Heritage Federal Credit Union is headquartered in Richmond and is the 100^th largest credit union in the state of Virginia. It is also the 4,562^nd largest credit union in the nation. It was established in 1936 and as of March of 2017, it had grown to 4 employees and 1,799 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.
See current membership details

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Health

C+

Data as of Q1 2017

Learn why bank health matters

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

Overall
NCUA #	1282
Year Chartered	1936
Employees	4
Primary Regulator

Profit Margin
Return on Assets - YTD	-1.27%
Return on Equity - YTD	-16.18%
Annual Interest Income	$68.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$7.1MM$6.9MM
Loans	Q1 2017vs Q1 2016	$2.7MM$3.5MM
Deposits	Q1 2017vs Q1 2016	$6.5MM$6.4MM
Equity Capital	Q1 2017vs Q1 2016	$544.00K$574.00K
Loan Loss Allowance	Q1 2017vs Q1 2016	$61.00K$57.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$69.00K$151.00K
Real Estate Owned	Q1 2017vs Q1 2016	$0$0

Rates

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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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.75%	$2k	-	12 Month Share CD
0.35%	$2k	-	6 Month Share CD

Locations

Richmond Heritage Federal Credit Union Locations
Branch Office	50 W Commerce Rd	Richmond, VA 23224-2316