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Heritage Community Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 and Verified: October 10, 2026
Heritage Community Credit Union's top rates as of October 10, 2026 are 4.35% APY on its 17 Month Special CD, 1.00% APY on savings, 0.70% APY on money market accounts, 6.25% on its Adjustable Rate Mortgages - 7/1 ARM, personal loans from 10.84% APR, and credit cards from 14.24% APR, according to rates verified by MonitorBankRates. Other Heritage Community Credit Union CD rates include 13 Month Special CD at 4.10%, 1 Year CD at 3.75%, and 1 Year Wealth Builder CD at 3.75%. Other Heritage Community Credit Union mortgage rates include Adjustable Rate Mortgages - 5/1 ARM at 6.82%, First Mortgage - 15 Year Fixed at 6.50%, and First Mortgage - 15 Year Fixed at 6.88%. MonitorBankRates evaluates the financial stability of Heritage Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.95%. Rates last updated and verified on 10/10/2026.
Heritage Community 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 Heritage Community Credit Union? Share your experience about Heritage Community Credit Union by leaving a review below, or read customer reviews before you decide to use Heritage Community Credit Union.
Heritage Community Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Heritage Community Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
5.95%
ExcellentLower than avg
Heritage Community Credit Union Texas Ratio
Heritage Community Credit Union's Texas Ratio is 5.95%, which is considered excellent and is lower than the national average of 6.13%.
Heritage Community Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.48% to 5.95% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Heritage Community Credit Union CD Rates
Product
Rate
APY
Term
View More
17 Month Special Share Certificate
4.27%
4.35%
17 Month
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.35% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
13 Month Special Share Certificate
4.03%
4.10%
13 Month
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.10% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
1 Year Share Certificate
3.69%
3.75%
1 year
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
1 Year Wealth Builder Share Certificate
3.65%
3.75%
1 year
Min Balance$25
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
2 Year Share Certificate
3.69%
3.75%
2 year
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
3 Year Share Certificate
3.69%
3.75%
3 year
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
4 Year Share Certificate
3.69%
3.75%
4 year
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
5 Year Share Certificate
3.69%
3.75%
5 year
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
6 Month Share Certificate
3.69%
3.75%
6 month
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
IRA Share Certificate - 1 Year
3.69%
3.75%
1 Year
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
IRA Share Certificate - 2 Year
3.69%
3.75%
2 Year
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
IRA Share Certificate - 3 Year
3.69%
3.75%
3 Year
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
IRA Share Certificate - 4 Year
3.69%
3.75%
4 Year
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
IRA Share Certificate - 5 Year
3.69%
3.75%
5 Year
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
3 Month Share Certificate
3.55%
3.60%
3 month
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
Heritage Community Credit Union Savings Rates
Product
Rate
APY
View More
IRA Savings
1.00%
1.00%
Min Deposit$100
Min Balance$0
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
Basic Savings
0.05%
0.05%
Min Deposit$25
Min Balance$200
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
Holiday Club
0.05%
0.05%
Min Deposit$25
Min Balance$0
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
Heritage Community Credit Union Money Market Rates
Product
Rate
APY
View More
Diamond Select Money Market Accounts
0.70%
0.70%
Min Balance$1,000,000
DetailsBalance: $1,000,000.00
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
Diamond Select Money Market Accounts
0.70%
0.70%
Min Balance$200,000
DetailsBalance: $200,000-$999,999.99
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
IRA Diamond Select Money Market
0.70%
0.70%
Min Balance$200,000
DetailsBalance: $200,000-$999,999.99
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
IRA Diamond Select Money Market
0.70%
0.70%
Min Balance$1,000,000
DetailsBalance: $1,000,000.00
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
Diamond Select Money Market Accounts
0.65%
0.65%
Min Balance$100,000
DetailsBalance: $100,000-$199,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
IRA Diamond Select Money Market
0.65%
0.65%
Min Balance$100,000
DetailsBalance: $100,000-$199,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
Diamond Select Money Market Accounts
0.55%
0.55%
Min Balance$50,000
DetailsBalance: $50,000-$99,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
IRA Diamond Select Money Market
0.55%
0.55%
Min Balance$50,000
DetailsBalance: $50,000-$99,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
Diamond Select Money Market Accounts
0.45%
0.45%
Min Balance$25,000
DetailsBalance: $25,000-$49,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
IRA Diamond Select Money Market
0.45%
0.45%
Min Balance$25,000
DetailsBalance: $25,000-$49,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
Diamond Select Money Market Accounts
0.35%
0.35%
Min Balance$0
DetailsBalance: $0.00-$24,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
IRA Diamond Select Money Market
0.35%
0.35%
Min Balance$0
DetailsBalance: $0.00-$24,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
Heritage Community Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
Adjustable Rate Mortgages - 5/1 ARM
-
0
6.819%
5/1 ARM
No additional details.
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.49% → 6.82% ▲ 0.33 pts · high 6.82% / low 6.49%
Sep 27, 20266.82%▲ from 6.49%
Sep 14, 20266.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
Adjustable Rate Mortgages - 7/1 ARM
6.25%
0
6.825%
7/1 ARM
No additional details.
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.45% → 6.83% ▲ 0.38 pts · high 6.83% / low 6.45%
Sep 27, 20266.83%▲ from 6.45%
Sep 14, 20266.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
First Mortgage - 15 Year Fixed
6.50%
1.00
6.825%
15 Year
No additional details.
Last Updated10/10/2026
Rate History
2 changes since Sep 14, 2026 · 6.32% → 6.83% ▲ 0.51 pts · high 6.83% / low 6.00%
Oct 1, 20266.83%▲ from 6.00%
Sep 22, 20266.00%▼ from 6.32%
Sep 14, 20266.32%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
First Mortgage - 15 Year Fixed
6.875%
0.00
7.042%
15 Year
No additional details.
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.54% → 7.04% ▲ 0.51 pts · high 7.04% / low 6.54%
Oct 1, 20267.04%▲ from 6.54%
Sep 14, 20266.54%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
First Mortgage - 30 Year Fixed
-
1.00
7.46%
30 Year
No additional details.
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.95% → 7.46% ▲ 0.51 pts · high 7.46% / low 6.95%
Oct 1, 20267.46%▲ from 6.95%
Sep 14, 20266.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
First Mortgage - 30 Year Fixed
7.50%
0.00
7.609%
30 Year
No additional details.
Last Updated10/10/2026
Rate History
2 changes since Sep 14, 2026 · 7.10% → 7.61% ▲ 0.50 pts · high 7.61% / low 7.00%
Oct 1, 20267.61%▲ from 7.00%
Sep 22, 20267.00%▼ from 7.10%
Sep 14, 20267.10%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
Heritage Community Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Fixed Equity
-
0
5.89%
No additional details.
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.59% → 5.89% ▲ 0.30 pts · high 5.89% / low 5.59%
Oct 1, 20265.89%▲ from 5.59%
Sep 14, 20265.59%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
Home Equity Max Equity
-
0
6.64%
No additional details.
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.34% → 6.64% ▲ 0.30 pts · high 6.64% / low 6.34%
Oct 1, 20266.64%▲ from 6.34%
Sep 14, 20266.34%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
Max HELOC
-
0
7.75%
No additional details.
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 7.50% → 7.75% ▲ 0.25 pts · high 7.75% / low 7.50%
Oct 1, 20267.75%▲ from 7.50%
Sep 14, 20267.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
Heritage Community Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto Loan
-
-
5.59%
DetailsAPR To: 18.00%
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.24% → 5.59% ▲ 2.35 pts · high 5.59% / low 3.24%
Oct 1, 20265.59%▲ from 3.24%
Sep 14, 20263.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
Used Auto Loan
-
-
5.84%
DetailsAPR To: 18.00%
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 4.84% → 5.84% ▲ 1.00 pts · high 5.84% / low 4.84%
Oct 1, 20265.84%▲ from 4.84%
Sep 14, 20264.84%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
Mature Auto Loan
-
-
8.22%
DetailsAPR To: 18.00%
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 7.22% → 8.22% ▲ 1.00 pts · high 8.22% / low 7.22%
Oct 1, 20268.22%▲ from 7.22%
Sep 14, 20267.22%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
Mature Auto Loan
-
-
18.00%
DetailsAPR From: 8.22%
Last Updated10/10/2026
Rate History
2 changes since Sep 14, 2026 · 7.22% → 18.00% ▲ 10.78 pts · high 18.00% / low 7.22%
Oct 10, 202618.00%▲ from 8.22%
Oct 1, 20268.22%▲ from 7.22%
Sep 14, 20267.22%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
New Auto Loan
-
-
18.00%
DetailsAPR From: 5.59%
Last Updated10/10/2026
Rate History
2 changes since Sep 14, 2026 · 3.24% → 18.00% ▲ 14.76 pts · high 18.00% / low 3.24%
Oct 10, 202618.00%▲ from 5.59%
Oct 1, 20265.59%▲ from 3.24%
Sep 14, 20263.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
Used Auto Loan
-
-
18.00%
DetailsAPR From: 5.84%
Last Updated10/10/2026
Rate History
2 changes since Sep 14, 2026 · 4.84% → 18.00% ▲ 13.16 pts · high 18.00% / low 4.84%
Oct 10, 202618.00%▲ from 5.84%
Oct 1, 20265.84%▲ from 4.84%
Sep 14, 20264.84%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
Heritage Community Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
New / Used Motorcycle Loan
-
6.79%
DetailsAPR To: 17.79%
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.79% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
New / Used Boats Loan
-
7.09%
DetailsAPR To: 18.00%
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.09% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
New / Used RV Loans
-
7.09%
DetailsAPR To: 18.00%
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.09% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
New / Used ATV Loan
-
7.69%
DetailsAPR To: 18.00%
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.69% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
New / Used Jet Ski Loan
-
7.69%
DetailsAPR To: 18.00%
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.69% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
New / Used Motorcycle Loan
-
17.79%
DetailsAPR From: 6.79%
Last Updated10/10/2026
Rate History
3 changes since Sep 14, 2026 · 6.79% → 17.79% ▲ 11.00 pts · high 17.79% / low 6.79%
Oct 10, 202617.79%▲ from 6.79%
Oct 1, 20266.79%▼ from 17.79%
Sep 18, 202617.79%▲ from 6.79%
Sep 14, 20266.79%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
New / Used ATV Loan
-
18.00%
DetailsAPR From: 7.69%
Last Updated10/10/2026
Rate History
3 changes since Sep 14, 2026 · 7.69% → 18.00% ▲ 10.31 pts · high 18.00% / low 7.69%
Oct 10, 202618.00%▲ from 7.69%
Oct 1, 20267.69%▼ from 18.00%
Sep 18, 202618.00%▲ from 7.69%
Sep 14, 20267.69%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
New / Used Boats Loan
-
18.00%
DetailsAPR From: 7.09%
Last Updated10/10/2026
Rate History
3 changes since Sep 14, 2026 · 7.09% → 18.00% ▲ 10.91 pts · high 18.00% / low 7.09%
Oct 10, 202618.00%▲ from 7.09%
Oct 1, 20267.09%▼ from 18.00%
Sep 18, 202618.00%▲ from 7.09%
Sep 14, 20267.09%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
New / Used Jet Ski Loan
-
18.00%
DetailsAPR From: 7.69%
Last Updated10/10/2026
Rate History
3 changes since Sep 14, 2026 · 7.69% → 18.00% ▲ 10.31 pts · high 18.00% / low 7.69%
Oct 10, 202618.00%▲ from 7.69%
Oct 1, 20267.69%▼ from 18.00%
Sep 18, 202618.00%▲ from 7.69%
Sep 14, 20267.69%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
New / Used RV Loans
-
18.00%
DetailsAPR From: 7.09%
Last Updated10/10/2026
Rate History
3 changes since Sep 14, 2026 · 7.09% → 18.00% ▲ 10.91 pts · high 18.00% / low 7.09%
1 change since Sep 14, 2026 · 13.99% → 14.24% ▲ 0.25 pts · high 14.24% / low 13.99%
Oct 1, 202614.24%▲ from 13.99%
Sep 14, 202613.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
Rate Saver Loan
-
-
4.99%
DetailsRegular APR: 14.24%
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 13.99% → 4.99% ▼ 9.00 pts · high 13.99% / low 4.99%
Sep 18, 20264.99%▼ from 13.99%
Sep 14, 202613.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
Rate Saver Loan
-
-
14.24%
DetailsIntro/promo APR: 4.99%; Introductory APR for Purchases*; Regular APR: 14.24%
Last Updated10/10/2026
Rate History
2 changes since Sep 14, 2026 · 13.99% → 14.24% ▲ 0.25 pts · high 14.24% / low 4.99%
Oct 10, 202614.24%▲ from 4.99%
Sep 18, 20264.99%▼ from 13.99%
Sep 14, 202613.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
Kasasa Cash Checking
3.45%
-
3.50%
Min Deposit$25
Min Balance$0
DetailsQualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $25,000
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 4.00% → 3.50% ▼ 0.50 pts · high 4.00% / low 3.50%
Sep 22, 20263.50%▼ from 4.00%
Sep 18, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
Kasasa Cash Checking
3.93%
-
4.00%
Min Deposit$25
Min Balance$0
DetailsQualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $25,000
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
Kasasa Cash Checking
4.89%
-
5.00%
Min Deposit$25
Min Balance$0
DetailsQualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $25,000
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 4.00% → 5.00% ▲ 1.00 pts · high 5.00% / low 4.00%
Sep 22, 20265.00%▲ from 4.00%
Sep 18, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
Kasasa Cash Checking
0.01%
-
0.01%
Min Deposit$25
Min Balance$0
DetailsWhen Kasasa Cash qualifications are not met, all balances in the account earn .01% APY and ATM withdrawal fees are not refunded. APY = Annual Percentage Yield. APY accurate as of 12/01/2025.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
Kasasa Saver Savings
3.93%
-
4.00%
Min Deposit$25
Min Balance$0
DetailsQualifications Required: 4.00% APY and 3.93% dividend rate earned on ALL Kasasa Saver balances during the monthly qualification cycle if monthly Kasasa checking account qualifications are met. If not, all balances earn 0.01% APY and 0.01% dividend rate.; Balance: $0 - $50,000
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.95%
Financial Health History
Heritage Community Credit Union’s Texas Ratio rose from 2.48% in Q3 2023 to 5.95% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$283M
5.95%
5.0
A+
March 31, 2026
$283M
5.07%
5.0
A+
December 31, 2025
$278M
5.20%
5.0
A+
September 30, 2025
$278M
4.79%
5.0
A+
June 30, 2025
$277M
5.08%
5.0
A+
March 31, 2025
$274M
3.59%
5.0
A+
December 31, 2024
$268M
5.71%
5.0
A+
September 30, 2024
$266M
5.30%
5.0
A+
June 30, 2024
$272M
3.37%
5.0
A+
March 31, 2024
$278M
4.60%
5.0
A+
December 31, 2023
$273M
2.82%
5.0
A+
September 30, 2023
$266M
2.48%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Heritage Community 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 Heritage Community 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 Heritage Community Credit Union's official website for the most current offers and terms.
Address
5329 Sunrise Blvd,
Fair Oaks, CA 95628-3539
Phone916-364-1700
Fax
PresidentBobbi Beehler
CEOEd Turk
Full-Time Employees43
Part-Time Employees3
Branch Locations3
ATM Locations3
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.95%
Return on Assets (ROA)
0.1527%
Return on Equity (ROE)
1.5563%
Non-Performing Loans Ratio (NPL)
0.75%
Total Assets
283,433,509
Total Amount of Shares and Deposits
252,280,930
Total Shares and Deposits < 1 Year
239,610,473
Total Shares and Deposits 1 3 Years
11,642,057
Total Shares and Deposits > 3 Years
1,028,401
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
22,051,958
Total Uninsured Shares and Deposits > $250K (F+J)
22,051,958
Total Insured Shares and Deposits > $250K (item 17 less item K)
230,228,972
Total Interest Expense (Sum of items 6 8)
2,089,077
Share Certificates
1,174
Number of Accounts for Share Drafts
6,139
IRA KEOGH Accounts
338
Number of Accounts for Regular Shares
12,931
Non Member Deposits
4
Money Market Shares
537
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
11,989,925
Total Liabilities
257,616,402
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Heritage Community Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Heritage Community Credit Union
Frequently Asked Questions About Heritage Community Credit Union
How many branches does Heritage Community Credit Union operate?
Heritage Community 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 Heritage Community Credit Union?
Yes, to access services at Heritage Community 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, Heritage Community 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, Heritage Community Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Heritage Community Credit Union offer online and mobile banking?
Most modern institutions like Heritage Community 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.heritageccu.com.
Current Heritage Community Credit Union Rates
12-Month CD3.75%
18-Month CD4.35%
24-Month CD3.75%
60-Month CD3.75%
Savings1.00%
MMA0.70%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
