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Southwest Heritage Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
swhcu.com
432-367-8993
2809 John Ben Shepperd Pkwy
Odessa, TX 79762

Southwest Heritage Credit Union is headquartered in Odessa and is the 91st largest credit union in the state of Texas. It is also the 1,151st largest credit union in the nation. It was established in 1949 and as of December of 2024, it had grown to 69 employees and 13,046 members at 5 locations. Southwest Heritage Credit Union's CD rates are 5X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Southwest Heritage Credit Union is open to anyone who lives, works, or worships in the Texas counties of Andrews, Crane, Ector, Midland, Ward, or Winkler.
See current membership details

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Health
A+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #60533
Year Chartered1949
Employees69
Primary Regulator
Profit Margin
Return on Assets - YTD1.23%
Return on Equity - YTD10.05%
Annual Interest Income$12.4MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$239.8MM$223.2MM
LoansQ4 2024vs Q4 2023$164.4MM$165.7MM
DepositsQ4 2024vs Q4 2023$209.5MM$193.9MM
Equity CapitalQ4 2024vs Q4 2023$29.4MM$27.4MM
Loan Loss AllowanceQ4 2024vs Q4 2023$1.2MM$1.1MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$411K$100K
Real Estate OwnedQ4 2024vs Q4 2023$560K$560K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Southwest Heritage Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Southwest Heritage Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$100-Regular Share Account

Southwest Heritage Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%*$250k*-Money Market Share Draft
OTHER TIERS: 0.50% → $1.5k - $50k | 1.00% → $50k+ | 1.26% → $100k - $250k

Southwest Heritage Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$1k-Envy Share Draft

Southwest Heritage Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.33%$1k-6 Month CD
4.33%$1k-12 Month CD
3.82%$1k-24 Month CD
3.56%$1k-36 Month CD
3.56%$1k-60 Month CD

Southwest Heritage Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.33%$1k-12 Month IRA
4.33%$1k-6 Month IRA
3.82%$1k-24 Month IRA
3.56%$1k-60 Month IRA
3.56%$1k-36 Month IRA
1.00%$0-IRA Shares
Locations


Southwest Heritage Credit Union Locations
Branch Office2809 John Ben Shepperd PkwyOdessa, TX 79762-8125
Branch Office930 W University BlvdOdessa, TX 79764-7114
Corporate Office4100 N Faudree RdOdessa, TX 79765-8511
Branch Office309 E Hendricks BlvdWink, TX 79789
Branch Office2489 W University BlvdOdessa, TX 79764

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