--- title: "Richmond Heritage Credit Union Rates - Virginia" description: "Current personal loan, and credit card rates from Richmond Heritage Credit Union in Virginia. Updated daily with source verification. See who can join Richmond Heritage Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/virginia/richmond-heritage" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Richmond Heritage Credit Union Rates - Virginia ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Secured Personal Loan** personal_secured | — APR | 7.900% | — | Standard | Richmond Heritage Credit Union personal loan rates as of October 23, 2026 ### Credit card rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 7.900% | — | Standard | | **Gold** credit_card | — APR | 8.900% | — | Standard | | **Classic** credit_card | — APR | 9.900% | — | Standard | Richmond Heritage Credit Union credit card rates as of October 23, 2026 Richmond Heritage Credit Union is a credit union in Virginia. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/virginia/richmond-heritage) , verified from [Richmond Heritage Credit Union's official website](https://curich.org/) 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](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. [**Hopewell Chemical** Dixiecon Branch Hopewell Chemical FCU · Richmond · VA · 23224-7608 Branch in the same ZIP](https://rateapi.dev/credit-unions/virginia/hopewell-chemical) [**1st Advantage** McGuire Branch · Richmond · VA · 23224-4916 About 0.2 miles away](https://rateapi.dev/credit-unions/virginia/1st-advantage) [**Dominion Energy Credit Union** Tredegar Branch · Richmond · VA · 23219-4306 About 2.6 miles away](https://rateapi.dev/credit-unions/virginia/dominion-energy-credit-union) [**Argent** U.S. Route 1 · North Chesterfield · VA · 23234-2257 About 3.1 miles away](https://rateapi.dev/credit-unions/virginia/argent) [**Call** Richmond City Office · Richmond · VA · 23234-2233 About 3.2 miles away](https://rateapi.dev/credit-unions/virginia/call) [**Virginia** SHOCKOE SLIP · Richmond · VA · 23219 About 3.2 miles away](https://rateapi.dev/credit-unions/virginia/virginia) 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](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Richmond Heritage Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Credit Union of Richmond Verified from [Richmond Heritage Credit Union's membership page](https://curich.org/About-Us/Become-a-Member) . Final membership determination is always made by the credit union. ## Membership rules for Richmond Heritage Credit Union Employers · Family 2 3 published paths to membership, last verified August 21, 2026, quoted from Richmond Heritage Credit Union’s own published criteria. ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Credit Union of Richmond “Employees of this credit union” > [source ↗](https://curich.org/About-Us/Become-a-Member) - Employee of Credit Union of Richmond ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member spouse, parents, siblings, children, adopted children, step children, grandparents, grandchildren “Immediate family relations of current members are eligible to join, including: Spouse Parents Siblings Children Adopted Children Step Relations (i.e. step children) Grandparents Grandchildren” > [source ↗](https://curich.org/About-Us/Become-a-Member) - Family member (spouse, parents, siblings, children, adopted children, step children, grandparents, grandchildren) of a member - Family of a member spouse “Spouses of persons who died while within the field of membership of this credit union” > [source ↗](https://curich.org/About-Us/Become-a-Member) - Family member (spouse) 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 Richmond Heritage Credit Union? Yes No ## 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. - See which AI assistants fetched Richmond Heritage Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Virginia - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=richmond-heritage&state=virginia&code=VA&name=Richmond%20Heritage%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Richmond Heritage Credit Union offer? Richmond Heritage Credit Union currently offers personal loan, and credit card rates. The rates shown on this page were last verified October 23, 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 October 23, 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. ### Who can join Richmond Heritage Credit Union? Richmond Heritage Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 1 employer for Richmond Heritage Credit Union, each quoted from Richmond Heritage Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Richmond Heritage Credit Union's rates against national credit-union benchmarks. [More Virginia credit unions](https://rateapi.dev/credit-unions/virginia) [Virginia personal loan leaders](https://rateapi.dev/personal-loan-rates/virginia) [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://curich.org/) ### 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 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. 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 Richmond Heritage Credit Union curl "https://api.rateapi.dev/credit-unions/virginia /richmond-heritage " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Richmond Heritage Credit Union locations Search, filter, and browse all 2 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/virginia/richmond-heritage Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp