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Western Heritage Credit Union Share
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Overview Share
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Western Heritage Credit Union is a federal credit union based in Alliance, Nebraska. It has been opened since 1936, for 86 years.

With around $64,250,000 in assets, Western Heritage Credit Union is considered to be a large credit union. It has 2 branches and 2 ATM locations.

About Share
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Address Po Box 697
Alliance, Nebraska 69301
Website http://www.whcu.com
Phone (308) 762-5702
Fax (308) 762-3923
CEO Darlene Brown
President of the Board Michael Friesz
Services Offered
Score Card Share
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86 years
Years in business
Opened in 1936
Well Capitalized
Net worth classification
Source: NCUA
10,221 members
Membership type: Community credit union
Above average number of members
409:1
Credit union member to staff ratio
409 per each FTE employee
Compared to 411:1 nationally
Fewer staff
$64,248,827
Total assets
Above average
2 branches
Compared with an average of 4 nationally and 2 in Nebraska
Above average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
11.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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2 branches
Compared with an average of 4 nationally and 2 in Nebraska
Above average number of branches
Western Heritage Credit Union Branch Locations

Western Heritage Credit Union: Branch - Combined
901 W. 29th Street
Scottsbluff, Nebraska 69361
ATM Available
Western Heritage Credit Union: Branch 1
103 E. 1st Street
Alliance, Nebraska 69301
ATM Available
Members Share
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10,221 members
Membership type: Community credit union
Above average number of members

With 10,221 members, the Western Heritage Credit Union is considered to be a large credit union. It is larger than 71% of credit unions.

Fees Share
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$97
Average fee per member
The average fee per member at the Western Heritage Credit Union is $97, which is very high compared to most credit unions. This rate is higher than 83% of all credit unions.
Fees are higher 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 Western Heritage Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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409:1
Credit union member to staff ratio
409 per each FTE employee
Compared to 411:1 nationally
Fewer staff
25 staff members
FTE (full-time equivalent)
15% of employees are part-time
23 full-time, 4 part-time

Western Heritage Credit Union has 23 full-time staff members and 4 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 85% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Western Heritage Credit Union has around 409 members per staff, a higher ratio compared to other credit unions.

Assets Share
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$64,248,827
Total assets
Above average
Net worth Share
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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.
8.2%
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 Share
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$9,593
Average loan and lease size
Loan & lease sizes are average sized. They are bigger than at 45% of credit unions.

Western Heritage Credit Union holds a total of $43,770,000 in loans and leases, which is about $9,593 per member on average.

Savings interest rate Share
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0.10%
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. Western Heritage Credit Union pays 0.10%.

Loan rates Share
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11.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
11.99%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
4.79%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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4.49%
New car loan rate
Compared to 4.0% nationally
4.49%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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5.00%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.50%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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Western Heritage Credit Union
Credit Union: Well Capitalized Alliance, Nebraska 10221.0 $64 million Well Capitalized
Western Heritage Credit Union: Branch - Combined ATM
Credit Union ATM: 901 W. 29th Street
Scottsbluff, Nebraska 69361
Western Heritage Credit Union: Branch 1
Credit Union Branch: 103 E. 1st Street
Alliance, Nebraska 69301 ATM Available
Hudson Heritage Credit Union: Hudson Heritgae Federal Credit Union
Credit Union Branch: 36 Boniface Drive
Pine Bush, New York 12566 No ATM
Western Heritage Bank
Bank: Las Cruces, New Mexico 112206763.0
Western Heritage Credit Union: Branch - Combined
Credit Union Branch: 901 W. 29th Street
Scottsbluff, Nebraska 69361 ATM Available
Service Credit Union Routing Number
Resource: Service Credit Union Routing Number Service Credit Union is a credit union based in Portsmouth, New Hampshire. Service Credit Union’s US routing number is 211489656.
Western Heritage Credit Union: Branch 1 ATM
Credit Union ATM: 103 E. 1st Street
Alliance, Nebraska 69301
Hudson Heritage Credit Union: Hudson Heritgage ATM
Credit Union ATM: 2 Corwin Court
Newburgh, New York 12550
Hudson Heritage Credit Union: Hudson Heritgage
Credit Union Branch: 2 Corwin Court
Newburgh, New York 12550 ATM Available