--- title: "Southwest Heritage Credit Union Rates - Texas" description: "Current vehicle loan, personal loan, credit card, and savings & cd rates from Southwest Heritage Credit Union in Texas. Updated daily with source verification. See who can join Southwest Heritage Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/southwest-heritage" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Southwest Heritage Credit Union Rates - Texas ### Auto & vehicle rates 5 offers | Product | Published | Rate | Term / condition | Status | | **MOTORCYCLES & ATVs (Up to 60 months)** motorcycle_any_60mo | — APR | 5.000% | 60 mo | Standard | | **60-Month New Boat Loan** boat_new_60mo | — APR | 5.800% | 60 mo · new | Standard | | **48-Month Used Boat Loan** boat_used_48mo | — APR | 6.350% | 48 mo · used | Standard | | **JET SKIS (USED)** boat_used_36mo | — APR | 6.850% | 36 mo · used | Standard | | **JET SKIS (NEW)** boat_new_60mo | — APR | 6.850% | 60 mo · new | Standard | Southwest Heritage Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Up to 24-Month Signature Loan** personal_unsecured_24mo | — APR | 10.350% | 24 mo | Standard | | **Up to 36-Month Signature Loan** personal_unsecured_36mo | — APR | 11.850% | 36 mo | Standard | | **SIGNATURE (Up to 6 months)** other | — APR | 8.000% | — | Standard | | **SIGNATURE (Up to 12 months)** other | — APR | 9.350% | — | Standard | Southwest Heritage Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Platinum Credit Card** credit_card_platinum | — APR | 14.000% | — | Context only | Southwest Heritage Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Certificate** cd | — APY | 2.00% | — | Standard | | **Regular Shares/Money Market** money_market | — APY | 3.00% | — | Context only | Southwest Heritage Credit Union savings & cd rates as of November 12, 2026 ### Other rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Ask your loan officer about rate specials and discounts** other | — % | 4.990% | — | Standard | | **Up to 60 months ($5,000 - $14,999)** other | — % | 5.000% | — | Context only | | **Up to 84 months ($15,000 - $49,999)** other | — % | 5.250% | — | Standard | | **Up to 96 months ($50,000 +)** other | — % | 5.750% | — | Standard | | **DURABLE GOODS (Up to 36 months)** other | — % | 9.800% | — | Standard | Southwest Heritage Credit Union other rates as of November 12, 2026 Southwest Heritage Credit Union is a credit union in Texas. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/southwest-heritage) , verified from [Southwest Heritage Credit Union's official website](https://swhcu.com/) Loading branch locator… ## About Southwest Heritage Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 13.1K Assets $262.5M Founded 1949 Locations reported 5 NCUA charter 60533 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**First Basin** First Basin Credit Union · Odessa · TX · 79765 About 2.4 miles away](https://rateapi.dev/credit-unions/texas/first-basin) [**West Texas** Mission Headquarters · Odessa · TX · 79765 About 2.4 miles away](https://rateapi.dev/credit-unions/texas/west-texas) [**Txdot** TxDOT Credit Union Odessa · Odessa · TX · 79762-6100 About 3.9 miles away](https://rateapi.dev/credit-unions/texas/txdot) [**Complex Community** NORTH OFFICE · Odessa · TX · 79762 About 4.0 miles away](https://rateapi.dev/credit-unions/texas/complex-community) [**MY Community** Odessa 42nd Street · Odessa · TX · 79762-5935 About 4.8 miles away](https://rateapi.dev/credit-unions/texas/my-community) [**Southwest 66** Main Branch · Odessa · TX · 79762 About 5.1 miles away](https://rateapi.dev/credit-unions/texas/southwest-66) 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 Southwest Heritage Credit Union Membership eligibility from Southwest Heritage Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Southwest Heritage Credit Union's website. Check the membership page below to confirm whether you qualify. - Location ector, midland, andrews, crane, ward, winkler — TX Verified from [Southwest Heritage Credit Union's membership page](https://swhcu.com/become-a-member) . Final membership determination is always made by the credit union. ## Membership rules for Southwest Heritage Credit Union Geography 6 counties · Family 2 20 published paths to membership, last verified August 27, 2026, quoted from Southwest Heritage Credit Union’s own published criteria. ### Geography 6 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Andrews County, TX - Crane County, TX - Ector County, TX - Midland County, TX - Ward County, TX - Winkler County, TX “If you live, work, or worship in Ector, Midland, Andrews, Crane, Ward or Winkler Counties, you qualify to become a member/owner of the credit union.” > [source ↗](https://swhcu.com/become-a-member) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member “Membership is also available to immediate family members of current Southwest Heritage Credit Union members.” > [source ↗](https://swhcu.com/become-a-member) - Family member of a member - Family of a member immediate family “Membership is also available to immediate family members of current Southwest Heritage Credit Union members.” > [source ↗](https://swhcu.com/become-a-member) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Southwest Heritage Credit Union? Yes No ## Work at Southwest 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 Southwest Heritage Credit Union ranks against Texas peers. - See which AI assistants fetched Southwest Heritage Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=southwest-heritage&state=texas&code=TX&name=Southwest%20Heritage%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Southwest Heritage Credit Union offer? Southwest Heritage Credit Union currently offers vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Southwest Heritage Credit Union rates updated? RateAPI verifies Southwest Heritage Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Southwest Heritage Credit Union's rate data? Rate data is collected directly from Southwest Heritage Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Southwest Heritage Credit Union? Southwest Heritage Credit Union publishes its membership criteria on its own website. RateAPI tracks 20 published membership paths covering 6 counties for Southwest Heritage Credit Union, each quoted from Southwest Heritage Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Southwest Heritage Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://swhcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Southwest Heritage Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Southwest Heritage Credit Union curl "https://api.rateapi.dev/credit-unions/texas /southwest-heritage " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Southwest Heritage Credit Union locations Search, filter, and browse all 5 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/texas/southwest-heritage Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp