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Advertiser Disclosure
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 Heritage USA Federal Credit Union Rates & Review October 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.
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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 12, 2026
Heritage USA Federal Credit Union's top rates as of October 12, 2026 are 4.15% APY on its CD Accounts (CDs) - 12 month, 0.50% APY on money market accounts, personal loans from 10.68% APR, and credit cards from 8.99% APR, according to rates verified by MonitorBankRates. Other Heritage USA Federal Credit Union CD rates include CD Accounts (CDs) - 6 month at 4.00%, and CD Accounts (CDs) - 24 month at 3.00%. MonitorBankRates evaluates the financial stability of Heritage USA Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.05%. Rates last updated and verified on 10/12/2026. Heritage USA 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 Heritage USA Federal Credit Union? Share your experience about Heritage USA Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Heritage USA Federal Credit Union. Heritage USA Federal Credit Union
Heritage USA Federal Credit Union 5507 W Wadley Ave
https://www.heritage-usa.net/ Midland, TX 79707  Customer Reviews
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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 USA Federal Credit Union CD Rates
Heritage USA Federal Credit Union Money Market Rates
Heritage USA Federal Credit Union Auto Loan Rates
Heritage USA Federal Credit Union RV, Boat and Powersport Loan Rates
Heritage USA Federal Credit Union Credit Card Rates
Heritage USA Federal Credit Union Personal Loan Rates
Heritage USA Federal Credit Union Other Rates
Financial Health HistoryHeritage USA Federal Credit Union’s Texas Ratio rose from 2.41% in Q3 2023 to 9.05% 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 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Heritage USA 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 Heritage USA 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 Heritage USA Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Heritage USA Federal Credit Union
Website
https://www.heritage-usa.net/
Address
5507 W Wadley Ave,
Midland, TX 79707
Phone
432-681-1005
Fax
President
Dirk Parks
CEO
Augustine Rodriguez
Full-Time Employees
35
Part-Time Employees
0
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
9.05%
Return on Assets (ROA)
-0.5110%
Return on Equity (ROE)
-5.8043%
Non-Performing Loans Ratio (NPL)
1.14%
Total Assets
98,501,883
Total Amount of Shares and Deposits
87,509,282
Total Shares and Deposits < 1 Year
84,699,859
Total Shares and Deposits 1 3 Years
2,809,423
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,391,292
Total Uninsured Shares and Deposits > $250K (F+J)
6,391,292
Total Insured Shares and Deposits > $250K (item 17 less item K)
81,117,990
Total Interest Expense (Sum of items 6 8)
639,566
Share Certificates
366
Number of Accounts for Share Drafts
4,106
IRA KEOGH Accounts
48
Number of Accounts for Regular Shares
7,082
Money Market Shares
113
Net Income (unless the amount is already included in Undivided Earnings)
-503,350
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)
5,897,226
Total Liabilities
89,866,603
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Heritage USA Federal Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Heritage USA Federal Credit Union
Frequently Asked Questions About Heritage USA Federal Credit UnionHow many branches does Heritage USA Federal Credit Union operate?Heritage USA 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 Heritage USA Federal Credit Union?Yes, to access services at Heritage USA 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, Heritage USA 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, Heritage USA Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Heritage USA Federal Credit Union offer online and mobile banking?Most modern institutions like Heritage USA 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.heritage-usa.net/. Current Heritage USA Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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