Credit union · NCUA insured
Southwest Heritage Credit Union Savings Rates
Southwest Heritage Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Southwest Heritage Credit Union’s savings rates compare
Compared with banks and credit unions near Odessa, TX, where Southwest Heritage Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Southwest Heritage Credit Union
0.50%APY
- Minimum
- —
- Earns on $10,000 a year
- $50
Money Market Account
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
First National Bank Texas
2.00%APY
- Minimum
- $0
- Earns on $10,000 a year
- $200
Southwest Heritage Credit Union savings score
79
Savings score
Higher than 48% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.26%
- QualifiedQualified0.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Southwest Heritage Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.50%APY
Interest is paid monthly. These accounts have a minimum balance requirement to earn interest.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,500 – $50,000Interest paid monthly | 0.50% | $50 | Interest paid monthly |
| $50,000 – $100,000Interest paid monthly | 1.00% | — | Interest paid monthly |
| $100,000 – $250,000Interest paid monthly | 1.26% | — | Interest paid monthly |
| Over $250,000Interest paid monthly | 1.76% | — | Interest paid monthly |
Regular Share Account
0.15%APY
An initial $25.00 deposit into a regular Share Account establishes membership and must remain in the account to stay active. No minimum balance requirements and no monthly service charges.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends paid quarterly. Balance of at least $100 required to earn APY.$100 and up | 0.15% | $15 | Dividends paid quarterly. Balance of at least $100 required to earn APY. |
Special-purpose accounts
IRA Shares (Traditional & Roth)
1.00%APY
IRA savings accounts allow saving with tax benefits and are available as Traditional or Roth IRAs.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly. Applies to all balances for Traditional & Roth IRAs.Any balance | 1.00% | $100 | Dividends paid quarterly. Applies to all balances for Traditional & Roth IRAs. |
Who can join Southwest Heritage Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship in Ector, Midland, Andrews, Crane, Ward, or Winkler Counties qualify for membership.
Family and household
- Immediate family members of current Southwest Heritage Credit Union members are eligible for membership.
Cost to join
- A minimum $25.00 deposit in a regular share account is required to maintain membership.
Membership information collected October 5, 2026.