2. Richmond Heritage Federal Credit Union

Richmond Heritage Federal Credit Union


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 97th largest credit union in the state of Virginia. It is also the 4,433rd largest credit union in the nation. It was established in 1936 and as of June of 2018, it had grown to 4 employees and 1,994 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 2018

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 Chartered1936
Employees4
Primary Regulator
Profit Margin
Return on Assets - YTD-0.67%
Return on Equity - YTD-10.29%
Annual Interest Income$159.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$6.9MM$7.0MM
LoansQ2 2018vs Q2 2017$3.5MM$2.8MM
DepositsQ2 2018vs Q2 2017$6.4MM$6.5MM
Equity CapitalQ2 2018vs Q2 2017$447.00K$520.00K
Loan Loss AllowanceQ2 2018vs Q2 2017$56.00K$61.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$45.00K$112.00K
Real Estate OwnedQ2 2018vs Q2 2017$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%$2k-12 Month Share CD
0.35%$2k-6 Month Share CD
Locations


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

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