Credit union · NCUA insured
Heritage Credit Union
A $1.1B credit union headquartered in Newburgh, IN, with 64,342 members and 18 branches in 2 states. Best rates: CDs 4.00% and savings 0.20% APY.
Heritage Credit Union Carrot Score
76
Carrot Score
Higher than 42% of U.S. banks and credit unions
#9 of 13 in Evansville, IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Heritage Credit Union
Founded in 1965, Heritage Federal Credit Union is a member-owned credit union headquartered in Newburgh, Indiana.
Originally serving ALCOA Warrick Operations employees, it became community-chartered in 1983, rebranded in 2003, and now operates branches across southwestern Indiana and Kentucky.
- Headquarters
- 8266 Bell Oaks Dr, Newburgh, IN 47630
- NCUA charter
- 16626
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in the designated field of membership counties across Indiana, Kentucky, and Illinois.
Employers and groups
- Membership is open to Heritage employees.
Family and household
- Membership is open to anyone who has an immediate family member who is a current member, or who resides in the same household as a current member of Heritage.
Other ways
- Business membership eligibility is limited to businesses located in field of membership counties.
Branches
18 branches in 2 states
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Indiana
15 branches
Evansville area · 13
- Newburgh - Bell OaksMain office8266 Bell Oaks Dr, Newburgh, IN 47630Directions
- Boonville966 N State Route 61, Boonville, IN 47601Directions
- Elberfeld55 W Main St, Elberfeld, IN 47613Directions
- Evansville Central - First Avenue3540 N 1st Ave, Evansville, IN 47710Directions
- Evansville East - Burkhardt6432 Florida Road, Suite 104, Evansville, IN 47715Directions
- Evansville East - N. Green River3403 N Green River Rd, Evansville, IN 47715Directions
- Evansville East - Vogel Road4920 Vogel Rd, Evansville, IN 47715Directions
- Evansville North - Boonville New Harmony331 E Boonville New Harmony Rd, Evansville, IN 47725Directions
- Evansville South - Washington Avenue2350 Washington Ave, Evansville, IN 47714Directions
- Evansville West - Pearl Drive5343 Pearl Dr, Evansville, IN 47712Directions
- Mt. Vernon321 Main St, Mount Vernon, IN 47620Directions
- New Harmony502 Main St, New Harmony, IN 47631Directions
- Newburgh - SR 665388 W State Route 66, Newburgh, IN 47630Directions
Haubstadt area · 1
- Haubstadt803 E. Hwy 68, Haubstadt, IN 47639Directions
Louisville/Jefferson County area · 1
- Jeffersonville2013 Jeffersonville Commons Dr, Jeffersonville, IN 47130Directions
Kentucky
3 branches
Henderson area · 2
- Henderson2011 US Highway 60 E, Henderson, KY 42420Directions
- Henderson KY - Gibbs3093 Ohio Dr, Henderson, KY 42420Directions
Owensboro area · 1
- Owensboro3700 Frederica St, Owensboro, KY 42301Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.35% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.33% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.93% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $84 | $88 | — |
- CapitalNet worth ratio12.35%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.33%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.93%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$84Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Heritage Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.