Heritage Credit Union

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A short history of Heritage CU

Since its inception in 1978 the Heritage Credit Union has been serving its members in the MADISON, Wisconsin area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by ANITA RAUCH, the Heritage CU has grown its membership to over 27,536 with assets of more than $328,349,167. They have a main office and 11 branch offices. Please see the credit unions website or contact them by phone at (608) 268-5090 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in MADISON, WI.

General Information For Heritage CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 68385
Address 1212 Huxley St 
State Wisconsin 
Zip-Code 53704
Phone Number (608) 268-5090
Fax Number (608) 241-2196
Email Address: none
Members 27,536 
Full-Time Employees 90 
Part-Time Employees 19 
Number of Branch Offices 11 
Total Assets 328,349,167 
Website http://WWW.HERITAGECU.ORG 

Compare Heritage Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Madison CU Madison Credit Union 949 E Washington Ave 53703 (608) 266-4750 No 3.20
M. G. & E. CU MG&E Credit Union 601 E Main St 53708 (608) 255-1773 No 3.49
Post Office CU Main Office 151 W Corporate Dr 53714 (608) 244-3518 No 3.75
Madison Fire Department CU Monroe Street Office 1437 Monroe St 53711 (608) 266-4952 No 4.32
St. Mary's & Affiliates CU St. Mary's - Janesville 3400 E Racine St 53715 (608) 373-8151 No 4.81

Heritage Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Heritage Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 7.67 3.59 5.00 3.67 3.99
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 73 220 324 91 99
Rank Among All Wisconsin Credit Unions 2 49 53 15 18

Heritage Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.23 0.05 0.13 0.86 0.84
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 98 143 129 196 180
Rank Among All Wisconsin Credit Unions 7 20 29 21 16
Heritage Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 7.6703,5015,783,099
All Other Unsecured Loans/Lines of Credit 11.7901,9425,219,320
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.59085316,939,977
Used Vehicle Loans 5.0006,08865,935,856
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.6701,153104,729,666
Total Other Real Estate Loans/Lines of Credit 3.9901,54437,562,431
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.6001,37112,699,602
TOTAL LOANS & LEASES 16,452248,869,951

Heritage Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 7410,086,314416,785,417
    b. 15 Years or less 39223,349,471333,826,140
    a. > 15 years 40041,455,434182,702,450
    b. 15 Years or less 28729,838,447282,981,075
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 2767,031,7675161,900
Closed-End Adjustable Rate 682,246,95000
Open-End Adjustable Rate 1,20028,283,7141565,291,973
Open-End Fixed Rate 0000
TOTALS 2,697142,292,09728121,748,955


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Heritage Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes