Members Heritage Credit Union

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A short history of Members Heritage CU

Since its inception in 1960 the Members Heritage Credit Union has been serving its members in the Lexington, Kentucky 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 Pat Ferry, the Members Heritage CU has grown its membership to over 45,461 with assets of more than $367,945,365. They have a main office and 8 branch offices. Please see the credit unions website or contact them by phone at (859) 259-3466 to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Lexington, KY.

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

Charter Number 68661
Address 440 Park Pl 
City Lexington 
State Kentucky 
Zip-Code 40511
Phone Number (859) 259-3466
Fax Number (859) 455-7281
Email Address: ----
CEO/President Pat Ferry
Members 45,461 
Full-Time Employees 93 
Part-Time Employees
Number of Branch Offices
Total Assets 367,945,365 

Compare Members Heritage Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Lexington Postal CU LPCU Branch 100 Midland Ave 40512 (859) 231-3198 No 3.94
The Health & Education CU Pasadena Branch 185 Pasadena Dr Ste 155 40503 (859) 231-8262 No 4.52
Metro Employees CU Main Office 1306 VERSAILLES RD STE 140 40504 (859) 258-3990 No 6.11
Kue CU Main Office 1 Quality St 40507 (859) 367-5845 No 6.33
Greater Kentucky Cu, Inc. CU MAIN OFFICE 1001 RED MILE RD 40504 (859) 231-9300 No 6.77

Members Heritage Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Members 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 7.99 1.99 1.99 4.25 4.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 90 34 21 174 100
Rank Among All Kentucky Credit Unions 4 2 2 16 8

Members Heritage Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.10 0.20 0.60 0.20
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 129 114 240 271
Rank Among All Kentucky Credit Unions N/A 16 15 20 27
Members Heritage Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 7.9904,97612,780,166
All Other Unsecured Loans/Lines of Credit 9.5002,5248,146,723
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 1.99083718,726,360
Used Vehicle Loans 1.9906,90886,326,797
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.25062250,623,490
Total Other Real Estate Loans/Lines of Credit 4.0001,03835,167,863
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 3.1004328,074,560
TOTAL LOANS & LEASES 17,337219,845,959

Members 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 28629,860,341192,842,695
    b. 15 Years or less 1498,625,182141,406,770
    a. > 15 years 161,412,0011163,020
    b. 15 Years or less 496,690,83791,341,666
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 1224,035,12984653,260
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 1413,661,81411330,937
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 89731,506,0497096,760,823
Open-End Fixed Rate 0000
TOTALS 1,66085,791,35384713,499,171


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 1164,640,524734,009
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Members Heritage Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
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 Yes
Home Banking Via Internet Website Yes