The Richmond Heritage Federal Credit Union was founded in 1936 by ten educators who saw a need to provide a level of quality and personal service not offered at traditional financial institutions. Over the past 70 plus years, RHFCU has grown into a multi-million dollar nonprofit”self help” organization owned by our members and operated for their benefit.

Membership Benefits

The 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 convenient services to meet all of your financial needs.

Who Can Join?

Membership is open to employees of Richmond Public Schools, Virginia Union University, Bon Secours-Richmond Community Hospital, Metropolitan Business League, and Association Education Services Corporation of Virginia. People who live, work, or worship in Blackwell, Manchester, or Swansboro are also eligible to join RHFCU as are the immediate family members of any current member.


Low-cost loans are one of the greatest benefits of credit union membership. Whether you are 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.

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Share Accounts

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

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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 you Certificate Of Deposit, this is an excellent way to boost your savings yields without the risk of market fluctuations.

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