Richmond Heritage Federal Credit Union

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High Yield 12-Month CD

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1.05% APY

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Consistently Competitive Rates.
24/7 Customer Care.

1.00% 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 103^rd largest credit union in the state of Virginia. It is also the 4,645^th 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.
See current membership details

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Health

C

Data as of Q2 2016

Learn more about bank health

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	3
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.17%
Return on Equity - YTD	-2.17%
Annual Interest Income	$154.00K

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$6.9MM$7.0MM
Loans	Q2 2016vs Q2 2015	$3.2MM$4.1MM
Deposits	Q2 2016vs Q2 2015	$6.3MM$6.5MM
Equity Capital	Q2 2016vs Q2 2015	$554.00K$556.00K
Loan Loss Allowance	Q2 2016vs Q2 2015	$83.00K$83.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$98.00K$65.00K
Real Estate Owned	Q2 2016vs Q2 2015	$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