|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Richmond Heritage Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 17, 2026
Richmond Heritage Federal Credit Union's 12 month CDs rates are at 3.75%, 18 month CDs rates are at 3.65%, 24 month CDs rates are at 3.55%, 36 month CDs rates are at 3.45%, 6 month CDs rates are at 2.75%. Richmond Heritage Federal Credit Union's savings rates are at 0.00%. MonitorBankRates evaluates the financial stability of Richmond Heritage Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.93%. Rates were last updated on 04/17/2026. Richmond Heritage Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Richmond Heritage Federal Credit Union? Share your experience about Richmond Heritage Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Richmond Heritage Federal Credit Union. Richmond Heritage Federal Credit Union
Richmond Heritage FCU 50 W Commerce Rd
https://www.richheritage.org Richmond, VA 23224 2316 
Richmond Heritage Federal Credit Union CD Rates
Richmond Heritage Federal Credit Union Savings Rates
Richmond Heritage Federal Credit Union Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Richmond Heritage Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Richmond Heritage Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Richmond Heritage Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Richmond Heritage Federal Credit Union
Website
https://www.richheritage.org
Address
50 W Commerce Rd,
Richmond, VA 23224 2316
Phone
804-233-8872
Fax
804-233-8869
President
Darrell Tyler
CEO
Carl Brown
Full-Time Employees
4
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.93%
Return on Assets (ROA)
-0.4985%
Return on Equity (ROE)
-1.2918%
Non-Performing Loans Ratio (NPL)
0.86%
Total Assets
10,384,663
Total Amount of Shares and Deposits
6,359,698
Total Shares and Deposits < 1 Year
6,359,698
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
10,443
Total Uninsured Shares and Deposits > $250K (F+J)
10,443
Total Insured Shares and Deposits > $250K (item 17 less item K)
6,349,255
Total Interest Expense (Sum of items 6 8)
23,186
Number of Accounts for Share Drafts
694
Number of Accounts for Regular Shares
2,203
All other shares
268
Net Income (unless the amount is already included in Undivided Earnings)
-51,764
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,810,060
Total Liabilities
9,889,903
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Richmond Heritage Federal Credit UnionIs Richmond Heritage Federal Credit Union a safe place to deposit money?Yes, Richmond Heritage Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 0.93055710143741%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Richmond Heritage Federal Credit Union operate?Richmond Heritage Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Richmond Heritage Federal Credit Union?Yes, to access services at Richmond Heritage Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Richmond Heritage Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Richmond Heritage Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Richmond Heritage Federal Credit Union offer online and mobile banking?Most modern institutions like Richmond Heritage Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.richheritage.org. Current Richmond Heritage Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
McBryde Federal Credit Union
Intercorp Credit Union
Heart Of Louisiana Federal Credit Union
Farmers Insurance Federal Credit Union
Wescom Central Credit Union
Postal Credit Union
Holy Rosary Credit Union Rochester, NH
Mutual Security Credit Union
Kaleida Health Federal Credit Union
Security First Federal Credit Union
77th Street Depot Federal Credit Union
Midland Municipal Employees Credit Union
Hampton VA Federal Credit Union
L and N Federal Credit Union
Artesia Credit Union
Molokai Community Federal Credit Union
ProFed Federal Credit Union
Pearl District Federal Credit Union
Tanner Employees Credit Union
Emerald Empire Federal Credit Union
Staley Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
