Heritage USA Credit Union Midland TX | Quick Personal Loans & ATM Services

Introduction

Welcome to Heritage Usa, a trusted name in community banking located at 5507 W Wadley Ave, Midland, TX 79707. Established in 1949, our credit union has been dedicated to serving our members for over 70 years. With a strong commitment to financial well-being, we proudly support 6,635 members and manage total assets of $106,192,442. At Heritage Usa, we understand that every member's financial journey is unique. That's why we offer a range of services tailored to meet your needs from checking and savings accounts to auto loans and mortgage refinancing. Our total deposits amount to $18,003,499, providing a solid foundation for your savings and investment goals. Our team is led by CEO Augustine Rodriguez and Board President Dirk Parks, who are passionate about fostering a welcoming environment where members can thrive. With a dedicated staff of 28 employees, we strive to make your banking experience as seamless as possible. While you can visit us at our branch location, please note that official correspondence should be sent to the same address: 5507 W Wadley Ave, Midland, TX 79707. We invite you to explore how Heritage Usa can help you achieve your financial aspirations. Whether you're looking for personal loans or business banking solutions, our expert team is here to assist you. Feel free to give us a call at 432-681-1050 or visit our website at heritage-usa.net for more information. Join us today and be part of a community that cares about your financial future!

Branch History & Mission

Commitment to Accessibility

In today's digital world, we ensure that all members can easily access their accounts through online banking and mobile payments. We also prioritize accessibility with ADA-compliant facilities and services available at our drive-thru for added convenience. Whether you prefer face-to-face interactions or online solutions, we have options that fit your lifestyle. While you can visit us at 5507 W Wadley Ave Midland Tx 79707, official correspondence should be sent to 5507 W Wadley Ave, Midland, TX 79707 if different. You can reach us at (432) 681-1050 during our operating hours from 8:30 AM to 5:30 PM Monday through Friday.

Join Us Today!

As we continue this journey together, we invite you to become part of the Heritage Usa family. Explore what we have to offer by visiting us online at heritage-usa.net. Experience the benefits of membership where your dreams meet real possibilities!

Our Evolution

From the moment we opened our doors, our mission has always been clear: to provide exceptional financial services while supporting the needs of our community. Over the years, we've achieved significant milestones, including reaching total assets of $106,192,442. This growth reflects not only our financial stability but also the trust placed in us by our members. Our commitment to providing a wide range of services ranging from personal banking and auto loans to business banking solutions has made us a cornerstone of financial support in Midland. We pride ourselves on being more than just a credit union; we're your neighbors, your friends, and your partners in achieving financial well-being.

Our Mission

At Heritage Usa, our mission is to empower our members through innovative financial solutions and strong community engagement. We believe that everyone deserves access to fair and affordable financial services. That's why we offer products tailored to fit every member's unique needs from checking and savings accounts to credit cards with rewards. We're also committed to giving back. Our outreach efforts include supporting local charities and initiatives that make a difference in Midland. By investing in our community, we create a better future for everyone.

Branch Location & Accessibility

Convenient Access and Amenities

Heritage Usa offers ample parking for our members, ensuring that your visit is hassle-free. We have ADA-compliant facilities, including ramps and accessible entrances, so everyone can comfortably use our services. If you're looking for added convenience, we also feature drive-thru banking, allowing you to complete simple transactions without leaving your vehicle. Our branch operates Monday through Friday from 8:30 AM to 5:30 PM, ensuring that you have ample time during the week to handle your banking needs. You can also reach us at 432-681-1050 for any questions or assistance.

Services Tailored for You

At Heritage Usa, we pride ourselves on offering a variety of financial services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Plus, with ATM availability right here at the branch, withdrawing cash or checking your balance is quick and easy. While members can visit us at 5507 W Wadley Ave, official correspondence should be sent to the same address for your convenience. Our commitment is to provide accessible and friendly service as we help you achieve your financial goals. We invite you to stop by or give us a call today! Let Heritage Usa be your trusted partner in all things finance.

Member Eligibility

Welcome to the community at Heritage Usa, where becoming a member means joining a family that truly cares about your financial well-being. If you live, work, or worship in the Midland area, you're likely eligible to join us! We embrace individuals from various backgrounds and encourage you to become part of our supportive network. There are just a few simple criteria to meet, which you can explore in detail at http://www.heritage-usa.net/accounts/become-a-member . Opening an account with us is straightforward and rewarding. By becoming a member of Heritage Usa, you'll gain access to personalized banking services designed to help you thrive financially. Whether it's savings accounts, auto loans, or credit cards with rewards, we are here to support your financial journey every step of the way. Ready to take the next step? You can start your application online by visiting http://www.heritage-usa.net/loans/apply-online or give us a call at (432) 681-1050 for any questions. Join us today at our branch located at 5507 W Wadley Ave Midland Tx 79707, and let's build a brighter financial future together!

Business Banking & Commercial Services

Business Loan Options

Imagine securing the funds you need to expand your operations or invest in new equipment. At Heritage Usa, our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. If you're not a member yet, don't worry! We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that meet diverse needs.

Driving Economic Growth

With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses in our community. Located at 5507 W Wadley Ave Midland Tx 79707 in Midland, TX, we're here to provide personalized service and expertise tailored to your unique business needs. Ready to take the next step? Contact us at (432) 681-1050 or visit us online at Heritage Usa Federal Credit Union to learn more about how we can help your business grow!

Merchant Services

In today's fast-paced market, efficient payment processing is essential for success. Our merchant services enable you to accept payments seamlessly from customers, whether they prefer credit cards, mobile payments, or online transactions. This not only enhances customer satisfaction but also streamlines your cash flow, allowing you to focus on what you do best: running your business.

Comprehensive List Of Services

ATM & Drive-Thru Services

We also understand that some days require a more hands-on approach. Our branch features an ATM for quick cash withdrawals and balance checks, alongside a basic drive-thru banking service for deposits and simple transactions. This means whether you're on the go or prefer to take care of business from your car, we've got you covered. If you have questions or would like assistance exploring any of these services further, don't hesitate to reach out! Call us at 432-681-1050, or visit us in person at our Midland location. At Heritage Usa Federal Credit Union, we are here to help you achieve your financial goals with ease and confidence!

Business Banking Services

For local entrepreneurs and business owners, we offer tailored business banking solutions including merchant services and business loans. We're dedicated to helping your business thrive by providing the financial tools necessary for success.

Convenient Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we have invested in our online and mobile banking platforms. Access your accounts anytime, anywhere with ease through features like online bill pay, mobile payments, person-to-person transfers, and e-statements. You'll find that managing your finances has never been simpler.

Credit Cards and Rewards

Who doesn't love rewards? With our credit cards with rewards, you can earn points on every purchase that can be redeemed for various benefits. This service not only helps you build credit but also rewards you for spending on things you already buy.

Personal Banking Solutions

Our personal banking options include checking and savings accounts designed for everyday use. We know that managing finances can sometimes feel overwhelming, which is why we offer straightforward solutions to help you keep track of your money. Need a new car? Our auto loans and vehicle financing options make it easy for you to drive off in the vehicle you desire without breaking the bank. If you're considering home ownership or refinancing, our mortgage loans provide competitive rates and flexible terms. And for those moments when life throws unexpected expenses your way, our personal loans and debt consolidation services can give you the relief you need.

Digital & Online Banking

Accessibility & Security

Rest assured that all these services are built with your security in mind. We use advanced technology to keep your information safe while ensuring that our platform is user-friendly. Whether you're tech-savvy or just getting started with online banking, you'll find everything intuitive and easy to navigate. At Heritage Usa, we're committed to providing tools that empower you to take control of your financial life. Explore all our digital banking options today at https://www.heritage-usa.net/ and experience the freedom of managing your money on your terms!

Key Features

One of the standout features we offer is electronic signature authorization. This means you can sign documents electronically without the hassle of printing or mailing them. It's quick, secure, and perfect for those who prefer to manage their finances digitally. If you're looking to simplify your statements, we provide e-statements that you can view and download anytime. Say goodbye to paper clutter and enjoy the eco-friendly benefits of going digital. For those who love using their smartphones, our mobile application makes banking even easier. You can deposit checks, set up alerts, and even make person-to-person transfers with just a few taps on your screen. Plus, if you're out shopping, our mobile payments feature allows you to pay using your smartphone quickly and safely.

Financial Strength

Investing Back into Our Community

With $9,974,217 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $1,408 in used auto loans and $79,020,494 in total loans and leases.

Member Trust

We have built a strong member base with a total of 11,155 share accounts. This trust is essential as it shows that our community values what we offer. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Heritage Usa is your trusted partner. Visit us at 5507 W Wadley Ave Midland Tx 79707 or call (432) 681-1050 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $791,912 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 28 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings for Members

Members' savings are secured through $23,642,323 in share certificates and $6,361,728 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $6,622,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $10,766,129, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,014 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $38,012,386 in used vehicle loans and $29,079,336 in new vehicle loans already helping members get on the road. Whether you're looking for a reliable used car or the latest model, our team is here to help you find the right financing option.

Credit Lines and Unsecured Loans

For those looking for flexibility in managing their finances, we provide credit lines with a total available amount of $6,000,000. Additionally, we also offer flexible terms on unsecured credit card loans, with a total of $2,485,328 in loans helping members manage their finances effectively. These options can assist you in handling unexpected expenses or consolidating debt.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $321,179, make buying or refinancing simple. We're dedicated to guiding you through each step of the process so that you can focus on making your house a home.

Refinancing Options

If you're considering refinancing your current loans or exploring eligibility options for any of our products, our team is here to assist you. We aim to make the process as straightforward as possible so you can benefit from lower rates or better terms. Our commitment to providing quality financial services has made us a trusted choice for many in Midland and beyond. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore how Heritage Usa can support your financial journey today!

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HERITAGE USA FEDERAL CREDIT UNION - Midland, TX