Kbr Heritage

PO BOX 4557, Houston, TX 77210

NCUA Insured3.3 (9 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1953

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Houston, TX may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1953

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO BOX 4557

Houston, TX 77210

Google Maps 🗺Waze

(713) 753-3022

Service Area

This credit union is located in Houston and serves members in the TX area. Currently serving 4,380 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.61%

Used Auto Loan

6.61%

Personal Loan

13.73%

Credit Card APR

9.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in TX

Lowest rates currently reported by credit unions in TX (NCUA Q4 2025).

Complex Community— New Auto Loan

Odessa, TX

Houston, TX

Amarillo, TX

Hockley County— Credit Card APR

Levelland, TX

4.00%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

3.3

9 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Albert Hammons

6 months ago

The AI service is terrible call in 6 times could not get thru. The verification code would not work.when i wanted to do a review the person i worked with hung on me before i could do a review. Called the KBR Heritage Credit Union 713 number they dont answer the phone all i could do is leave a message. Terrible experience.

Martha Beaudry

5 years ago

I love this credit union. Teri Billiot is my Member Service Manager and she is responsive to my inquiries. And I've processed 2 loans through Deanna Robinson who has been nothing but professional and prompt throughout both processes. She makes the whole thing seamless. I have had a credit card through them, as well, since 1995 and they have never raised the interest on the card. I love them because there are no unwanted surprises. If you are considering leaving your bank and joining this credit union, stop thinking about it. Just do it!

Arun Kumar Jain

3 years ago

Horrible Customer Service. they will never pick phone. recently they upgraded the website and I faced issue in online banking after upgrade as need to have new login etc. and its not working. Website says to call a number and have called so many times and it always goes on voice mail even after full ring

Thomas Dotson

3 years ago

I too love this credit union... only good things to say about the staff and members that I know and have completed numerous business transactions over the past 15 years... patients~...