Richmond Heritage Credit Union

Richmond, Virginia
Last verified: August 4, 2026
Work at Richmond Heritage Credit Union? Claim this profile →

Verified rate book

Current Richmond Heritage Credit Union rates

40 published offers verified as of August 4, 2026.

How we verify rates

Auto & vehicle rates

24 offers
Richmond Heritage Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Promotional auto loan refinanceauto3.490% APR3.490%—Standard
New Auto Loanauto_new3.490% APR3.490%newStandard
New Auto Purchase (Never Titled) (0-48 Months)auto_new_48mo3.490% APR3.490%48 mo · newStandard
New Auto Purchase (Never Titled) (49-60 Months)auto_new_60mo3.740% APR3.740%60 mo · newStandard
New Auto Purchase (Never Titled) (61-66 Months)auto_new_66mo4.240% APR4.240%66 mo · newStandard
New Auto Purchase (Never Titled) (67-72 Months)auto_new_72mo4.740% APR4.740%72 mo · newStandard
New RV Loanrv_new4.990% APR4.990%newStandard
New & Used RV Purchase and Refinance (RV's, Campers, Watercraft, Motorcycles) (0-48 Months)rv_any_48mo4.990% APR4.990%48 mo · anyStandard
New Auto Purchase (Never Titled) (73-78 Months)auto_new_78mo5.240% APR5.240%78 mo · newStandard
New & Used RV Purchase and Refinance (RV's, Campers, Watercraft, Motorcycles) (49-60 Months)rv_any_60mo5.490% APR5.490%60 mo · anyStandard
New Auto Purchase (Never Titled) (79-84 Months)auto_new_84mo5.740% APR5.740%84 mo · newStandard
New & Used RV Purchase and Refinance (RV's, Campers, Watercraft, Motorcycles) (61-66 Months)rv_any_66mo5.990% APR5.990%66 mo · anyStandard
New & Used RV Purchase and Refinance (RV's, Campers, Watercraft, Motorcycles) (67-72 Months)rv_any_72mo6.490% APR6.490%72 mo · anyStandard
Used RV Rates Purchase or Refinance (RV, Campers, Watercraft, Motorcycles 2014-2018) (0-42 Months)rv_used_42mo6.490% APR6.490%42 mo · usedStandard
Used RV Rates Purchase or Refinance (RV, Campers, Watercraft, Motorcycles 2014-2018) (0-54 Months)rv_used_54mo6.740% APR6.740%54 mo · usedStandard
Used RV Rates Purchase or Refinance (RV, Campers, Watercraft, Motorcycles 2014-2018) (0-66 Months)rv_used_66mo6.990% APR6.990%66 mo · usedStandard
New & Used RV Purchase and Refinance (RV's, Campers, Watercraft, Motorcycles) (73-78 Months)rv_any_78mo7.240% APR7.240%78 mo · anyStandard
Used RV Rates Purchase or Refinance (RV, Campers, Watercraft, Motorcycles 2014-2018) (0-78 Months)rv_used_78mo7.240% APR7.240%78 mo · usedStandard
Used RV Rates Purchase or Refinance (RV, Campers, Watercraft, Motorcycles 2014-2018) (0-84 Months)rv_used_84mo7.490% APR7.490%84 mo · usedStandard
New & Used RV Purchase and Refinance (RV's, Campers, Watercraft, Motorcycles) (79-84 Months)rv_any_84mo7.740% APR7.740%84 mo · anyStandard
Used RV Rates Purchase or Refinance (RV, Campers, Watercraft, Motorcycles 2014-2018) (0-120 Months)rv_used_120mo7.740% APR7.740%120 mo · usedStandard
Used RV Rates Purchase or Refinance (RV, Campers, Watercraft, Motorcycles 2014-2018) (0-144 Months)rv_used_144mo7.990% APR7.990%144 mo · usedStandard
New & Used RV Purchase and Refinance (RV's, Campers, Watercraft, Motorcycles) (85-102 Months)rv_any_102mo9.240% APR9.240%102 mo · anyStandard
New & Used RV Purchase and Refinance (RV's, Campers, Watercraft, Motorcycles) (103-120 Months)rv_any_120mo9.740% APR9.740%120 mo · anyStandard

HELOC rates

5 offers
Richmond Heritage Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Home Equity Loanheloc5.240% APR5.240%—Standard
Home Equity 1st Position (60 Months)heloc5.490% APR5.490%—Standard
Home Equity 1st Position (90 Months)heloc5.990% APR5.990%—Standard
Home Equity 1st Position (120 Months)heloc6.990% APR6.990%—Standard
Home Equity 1st Position (180 Months)heloc7.990% APR7.990%—Standard

Personal loan rates

6 offers
Richmond Heritage Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Unsecured Personal Loanpersonal_unsecured7.490% APR7.490%—Standard
Personal Loan Rates (0-24 Months)personal_unsecured_24mo7.490% APR7.490%24 moStandard
Secured Personal Loanpersonal_secured7.900% APR7.900%—Standard
Personal Loan Rates (25-36 Months)personal_unsecured_36mo7.990% APR7.990%36 moStandard
Personal Loan Rates (37-48 Months)personal_unsecured_48mo8.490% APR8.490%48 moStandard
Personal Loan Rates (49-60 Months)personal_unsecured_60mo8.990% APR8.990%60 moStandard

Credit card rates

3 offers
Richmond Heritage Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Credit Cardcredit_card7.900% APR7.900%—Standard
Goldcredit_card8.900% APR8.900%—Standard
Classiccredit_card9.900% APR9.900%—Standard

Savings & CD rates

1 offer
Richmond Heritage Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Certificatecd3.55% APY3.55%—Standard

Other rates

1 offer
Richmond Heritage Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Platinumother7.900% %7.900%—Standard

Vehicle loans available from 3.49% APR. HELOC rates from 5.24% APR. Personal loan rates from 7.49% APR. Credit card rates from 7.9% APR. Savings and certificate yields up to 3.55% APY.

Source: RateAPI.dev, verified from Richmond Heritage Credit Union's official website

Loading branch locator…

About Richmond Heritage Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
1.7K
Assets
$10.5M
Founded
1936
Locations reported
2
NCUA charter
1282
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile payments
  • Financial counseling
  • Financial education
  • First-time homebuyer program
  • Credit-builder products
  • Payday Alternative Loans I

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

1st AdvantageMcGuire Branch · Richmond · VA · 23224-4916Branch in the same ZIPHopewell ChemicalDixiecon Branch Hopewell Chemical FCU · Richmond · VA · 23224-7608Branch in the same ZIPDominion Energy Credit UnionDominion Energy Credit Union · North Chesterfield · VA · 23225About 2.8 miles awayVirginia United MethodistVirginia United Methodist Credit Union · North Chesterfield · VA · 23225-4953About 2.8 miles awayVirginiaBOULDERS · North Chesterfield · VA · 23225-4046About 2.8 miles awayArgentU.S. Route 1 · North Chesterfield · VA · 23234-2257About 3.1 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Richmond Heritage Credit Union

Membership eligibility from Richmond Heritage Credit Union's own published criteria. How we verify this.

Community charter: live/work in Amelia, Charles City, Chesterfield +10 more

  • LocationAmelia, Charles City, Chesterfield, Dinwiddie, Goochland, Hanover, Henrico, King William, King and Queen, New Kent, Powhatan, Prince George, Sussex

Cost to join: About $5.

Verified from Richmond Heritage Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Richmond Heritage Credit Union?

This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Richmond Heritage Credit Union ranks against Virginia peers.

Claim this profileHow scorecards work

Frequently Asked Questions

What rates does Richmond Heritage Credit Union offer?

Richmond Heritage Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Richmond Heritage Credit Union rates updated?

RateAPI verifies Richmond Heritage Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Richmond Heritage Credit Union's rate data?

Rate data is collected directly from Richmond Heritage Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What are Richmond Heritage Credit Union's auto & rv loan rates?

As of August 4, 2026, Richmond Heritage Credit Union offers vehicle loans from 3.49% APR.

What is Richmond Heritage Credit Union's HELOC rate?

As of August 4, 2026, Richmond Heritage Credit Union offers home equity lines of credit from 5.24% APR.

What is Richmond Heritage Credit Union's personal loan rate?

As of August 4, 2026, Richmond Heritage Credit Union offers personal loans from 7.49% APR.

What is Richmond Heritage Credit Union's best CD rate?

As of August 4, 2026, Richmond Heritage Credit Union offers savings and certificate (CD) yields up to 3.55% APY.

Related Rate Data

Compare Richmond Heritage Credit Union's rates against national credit-union benchmarks.

More Virginia credit unionsAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Track Richmond Heritage Credit Union rates

Get a free API key to query these rates programmatically, or get the daily email when Virginia credit union rates move.

Daily rate email

Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for Richmond Heritage Credit Union
curl "https://api.rateapi.dev/credit-unions/virginia/richmond-heritage" \
  -H "Authorization: Bearer YOUR_API_KEY"
Explore API DocumentationUse with Claude