Community Run

Each member is an owner of the credit union and is essential to help shape our Richmond Heritage Federal Credit Union

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Richmond Heritage Federal Credit Union was founded as a “self help” not-for-profit organization during the Great Depression in 1936 by 10 educators. They recognized the need for access to economic resources not offered to African-Americans by traditional financial institutions at that time. Richmond Heritage has grown into a multi-million dollar credit union, owned and operated by its members who proudly continue the founders’ pay-it-forward values.


For up to months,

Your estimated monthly payment:


Based on the following interest rate:


How We Can Help

Membership Benefits

Richmond Heritage Federal Credit Union is here to help members achieve their financial goals in every stage of life. We offer a wide variety of savings plans, low-cost loans and many other services to meet all your financial needs.

Who Can Join?

Employees of:

  • Richmond Public Schools
  • Virginia Union University
  • Bon Secours
  • Richmond Community Hospital
  • Metropolitan Business League
  • Southside Community Development & Housing Corporation
  • Association Education Services Corporation of Virginia
  • The Market @25 Street (MBL Partner)

People who live, work and worship in:

  • Blackwell
  • Manchester
  • Swansboro

    For Example:
  • Legend Brewery
  • Uber or Lyft Driving in the area
  • Links Apartments
  • Iron Bridge Church

Family Members of current members are also eligible.

Our Services

Woman in New Car


Low-cost loans are one of the greatest benefits of credit union membership. Whether you are purchasing a home, financing your first car, need home improvements or a college education for your kids, you will find low rates, affordable payments and personal service right here at Richmond Heritage Federal Credit Union.

Share Accounts

A share savings account offers safety and convenience, with competitive yields and no limitations on deposits and withdrawls. A $10.00 deposit into your Share Account establishes your membership and enables you to take advantage of all our other financial services.

Certificate of Deposit

Certificate of Deposit

When you invest in a Certificate Of Deposit, your money will earn a highly competitive interest rate. Since you lock in the rate for the entire term of your Certificate of Deposit, this is an excellent way to boost your savings yields without the risk of market fluctuations.