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Heritage Usa

5507 W Wadley Ave, Midland, TX 79707
NCUA Insured3.8 (39 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1949

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

Location & Directions

Address

5507 W Wadley Ave

Midland, TX 79707

Service Area

This credit union is located in Midland and serves members in the TX area. Currently serving 6,854 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

4.59%

Used Auto Loan

4.97%

Personal Loan

11.54%

Credit Card APR

10.53%

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).

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

Branches & Locations(2 total)

Member Reviews

3.8

39 Google reviews

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

View on Google Maps
Nina Pando

Nina Pando

6 months ago

Do not use this atm machine. I came to deposit cash into my account (which I needed in my account asap to pay bills online) and the atm “retained” my money, mind you it’s after hours and it’s a holiday. I got ahold of the after hours service number and I was told it would take 10 business days or more to investigate and dispute this. Now not only do I not have any money AT ALL to buy any necessities I might need for me and my children, now I have to play a nice little waiting game to see anything reflect my account, on account of this ATMs mistake. Thanks a lot heritage, way to go. 👏👏👏 Here’s another interesting occasion I’d like to bring up since where here. Life hit me pretty hard a couple of months ago, my account was negative so I decided to try the “fresh start” service that they offer here. I was told from the very start that if I wanted to pay my negative balance, I could. But the payments had to be done in person. It stated no where in the agreement that I signed that they could just take all my money at once without my acknowledgment or consent, to pay off my negative balance. I received one phone call when the payment was due, but I was at work and couldn’t answer my phone, I called back to let them know I would be on my way to make the payment and they lady told me “oh it was taken care of, it was all paid off” I look at my account and a lump sum of money was taken out, again, without my consent to do so and I desperately needed that money. So be beware when choosing your banking. Avoid the ones with sketchy atms and the ones that take your money without your consent.

Jennifer Garcia

Jennifer Garcia

4 months ago

I just become a member 3 weeks ago and Today I went in to see my options on a loan for a vehicle im aquiring and Joel was amazing to both me and my parents that had also gotten a loan for another vehicle we will forever appreciate his help and everyone else that helped us get those two loans for two different vehicles! Thankyou so much Joel

Alicia Dorado

Alicia Dorado

2 years ago

I have been with this bank on different accounts for 26 years and have financed multiple vehicles through them. Up until the last year I have always been happy with the service and services, but this last year it seems like they have really gone downhill. I prefer a credit union for the personal touch but you won't get that at Heritage anymore. You can't get them to answer the phone or return a call when you leave a voicemail. I was trying to buy a new vehicle and since I couldn't seem to get anyone in the loan department to answer or call me back, I went with Chrysler Capital at 1.9% financing, that was a loss for the bank. Not trying to be rude, but really...do better.

Leanne Rowland

Leanne Rowland

2 years ago

Just became a member and I am so glad I did. They are so helpful. The CEO took time out of his day to help me with an issue and then the loan department was amazing helping me buy a new car. I am so glad I found Heritage and I will definitely stay where I am at.

Alexis Morales

Alexis Morales

a year ago

After what they put my sister through at this bank, definitely don’t recommend.They canceled her card while she was out of town and was unable to get it re activated. She went today to get a temporary card, but they didn’t have any available. She will be canceling her account because it’s always something going wrong with this bank.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).