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Overview / Commentary
103 E 1st St
Alliance, NE 69301

Western Heritage Credit Union is headquartered in Alliance and is the 15th largest credit union in the state of Nebraska. It is also the 1,965th largest credit union in the nation. It was established in 1936 and as of December of 2017, it had grown to 25 employees and 11,345 members at 2 locations. Western Heritage Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Sheridan, Dawes, Box Butte, Sioux, Scotts Bluff, Morrill, Grant, Garden, Banner, Cheyenne, Deuel and Kimball Counties in Nebraska.
See current membership details


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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. Western Heritage Credit Union has a relatively low asset base.

Health Grade Components

NCUA #60398
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD-0.73%
Return on Equity - YTD-8.03%
Annual Interest Income$2.9MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$70.0MM$76.1MM
LoansQ4 2017vs Q4 2016$46.5MM$53.7MM
DepositsQ4 2017vs Q4 2016$62.5MM$66.9MM
Equity CapitalQ4 2017vs Q4 2016$6.4MM$6.9MM
Loan Loss AllowanceQ4 2017vs Q4 2016$529.00K$465.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$584.00K$804.00K
Real Estate OwnedQ4 2017vs Q4 2016$13.00K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Western Heritage Credit Union Savings Account Rates

0.20%*$50k*-Tiered Transaction Accounts
OTHER TIERS: 0.05% Up to $10k | 0.15% $10k - $50k
0.05%--Kirby Kangaroo
0.05%--Christmas Club
0.05%--IRA Savings

Western Heritage Credit Union CD Rates

1.65%$25-60 Month Young Saver CD
1.60%$500-60 Month CD
1.35%$500-48 Month CD
1.25%$25-36 Month Young Saver CD
1.20%$500-36 Month CD
1.00%$25-24 Month Young Saver CD
0.95%$500-24 Month CD
0.70%$500-12 Month CD
0.45%$500-6 Month CD

Western Heritage Credit Union IRA Rates

1.60%$500-60 Month IRA CD
1.35%$500-48 Month IRA CD
1.20%$500-36 Month IRA CD
0.95%$500-24 Month IRA CD
0.70%$500-12 Month IRA CD
0.45%$500-6 Month IRA CD

Western Heritage Credit Union Locations
Branch Office103 E 1st StAlliance, NE 69301
Branch Office901 W 29th StScottsbluff, NE 69361