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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 100th largest credit union in the state of Virginia. It is also the 4,562nd 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.
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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-1.27%
Return on Equity - YTD-16.18%
Annual Interest Income$68.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$7.1MM$6.9MM
LoansQ1 2017vs Q1 2016$2.7MM$3.5MM
DepositsQ1 2017vs Q1 2016$6.5MM$6.4MM
Equity CapitalQ1 2017vs Q1 2016$544.00K$574.00K
Loan Loss AllowanceQ1 2017vs Q1 2016$61.00K$57.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$69.00K$151.00K
Real Estate OwnedQ1 2017vs Q1 2016$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