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Kbr Heritage Credit Union

Overview
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Kbr Heritage Credit Union is a federal credit union based in Houston, Texas. It has been opened since 1953, for 67 years.

With around $84,530,000 in assets, Kbr Heritage Credit Union is considered to be a large credit union. It has 1 branches and 2 ATM locations.

About
Address Po Box 4557
Houston, Texas 77210
Website http://WWW.KBRHFCU.ORG
Phone (713) 753-3022
Fax (713) 753-7575
CEO Regina Lancaster
President of the Board Glenn Wong
Services Offered
Map
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Score Card
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67 years
Years in business
Opened in 1953
Well Capitalized
Net worth classification
Source: NCUA
4,827 members
Membership type: Manufacturing – all other
Average number of members
483:1
Credit union member to staff ratio
483 per each FTE employee
Compared to 411:1 nationally
Fewer staff
$84,528,129
Total assets
Above average
1 branch
Compared with an average of 4 nationally and 3 in Texas
Average number of branches
0.25%
Savings interest rate
Compared to 0.3% nationally
9.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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1 branch
Compared with an average of 4 nationally and 3 in Texas
Average number of branches
Kbr Heritage Credit Union Branch Locations

Kbr Heritage Federal Credit Union
601 Jefferson Street # Kt-02
Houston, Texas 77002
ATM Available
Members
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4,827 members
Membership type: Manufacturing – all other
Average number of members

With 4,827 members, the Kbr Heritage Credit Union is considered to be a medium size credit union. It is larger than 56% of credit unions.

Fees
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$18
Average fee per member
The average fee per member at the Kbr Heritage Credit Union is $18, which is low compared to most credit unions. This rate is lower than 74% of all credit unions.
Fees are lower than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Kbr Heritage Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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483:1
Credit union member to staff ratio
483 per each FTE employee
Compared to 411:1 nationally
Fewer staff
10 staff members
FTE (full-time equivalent)
0% of employees are part-time
10 full-time, 0 part-time

Kbr Heritage Credit Union has 10 full-time staff members and 0 part-time staff members.

The number of members relative to staff members is an indication of how well staffed the credit union is. Kbr Heritage Credit Union has around 483 members per staff, a higher ratio compared to other credit unions.

Assets
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$84,528,129
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
13.7%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$8,034
Average loan and lease size
Loan & lease sizes are small. They are smaller than at 69% of credit unions.

Kbr Heritage Credit Union holds a total of $24,240,000 in loans and leases, which is about $8,034 per member on average.

Savings interest rate
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0.25%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Kbr Heritage Credit Union pays 0.25%.

Loan rates
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9.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
6.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
3.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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2.50%
New car loan rate
Compared to 4.0% nationally
2.50%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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4.75%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.62%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
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