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Welcome
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The Richmond Heritage Federal Credit
Union was founded in 1936 by ten black educators
who saw a need to provide a level of quality and
personal service not offered at traditional financial
institutions. Over the past 60 plus years, RHFCU
has grown into a multi-million dollar nonprofit"self
help" organization owned by our members and
operated for their benefit.
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Membership
Benefits
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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.
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Who
Can Join?
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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.
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Our
Products And Services . . .
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Share
Accounts
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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
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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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Christmas
And Vacation Club Accounts
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Our Club Accounts allow you to
save gradually for any type of annual expense. With
regular contributions and competitive dividends,
your nest egg will grow quickly and easily. All
our savings accounts are insured up to $100,000.00
by the NCUA, a federal agency.
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Loans
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Low-cost loans are one of the
greatest benefits of credit union membership.
Whether you are financing your first car, your
dream home 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.
- New
and Used Auto Loans
- Home
Improvement Loans
- Consolidation
Loans
- Vacation
Loans
- Home
Equity Loans
- Revolving
Credit / Signature Loans
- First
Mortgage Loans
- Flex
Loans (payday loans)
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Share
Draft (Checking)
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Our Share Draft Checking Accounts
give you all the features you want in a checking
account, without the fees and hassles you'll find
at other financial institutions.
- No
minimum balance requirements
- No
per-transaction fees
- Easy-to-reconcile
monthly statements
- Instant
carbonless check copies
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VISA
Checkcard
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This convenient,
two-in-one card adds even more convenience to
you RHFCU membership! Use it as an ATM Card cash
advances, balance inquiries, and more, 24 hours
a day. Or use it as a debit card for swipe-and-go
purchases anywhere, VISA is accepted. It works
just like a check - only easier.
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Direct
Deposit & Payroll Deduction
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Money management
is simple and automatic with these two free services:
Direct
Deposit - Your paycheck,
Social Security check, pension or government payment
can be electronically deposited directly into
your credit union account. With Direct Deposit
your money is available sooner, and you'll never
have to worry about a lost or stolen check.
Payroll
Deduction - This great service
lets you specify a portion of your paycheck to
be deposited into different accounts, enabling
you to save or pay back loans automatically.
Other
Services:
ATM
Service - With an ATM card
from Richmond Heritage Federal Credit Union, you
can perform transactions at any Cirrus ATM across
the country. Your ATM card gives you 24-hour account
access, so you'll never have to wait for business
hours again!
Drive-Through
Service - If the weather's
bad or you're in a hurry, you'll enjoy the convenience
of our drive-through service. You can use our
drive-through window to cash checks or make deposits,
withdrawals, or loan payments without leaving
the comfort of your car.
Complete
Automotive Coverage - In
addition to the best Auto Loans in town, we offer
additional services to help make your driving
experience worry-free:
- Carfax
- Learn the complete history
if a used vehicle before buying it, including
accident damage, odometer fraud, flood damage,
and much more.
- GAP
Insurance - In case your
vehicle is stolen or totaled in an accident,
GAP Insurance covers the difference between
your loan balance and your insurance payoff.
- Mechanical
Breakdown Insurance - Drive
with complete peace of mind, knowing you are
protected against the expense of unexpected
repairs.
Compuvo
- Our 24-hour Voice Automated
System lets you check balances and conduct transactions
from any touch-tone phone, whenever it's convenient
for you. Many of our members find that this free
service fits their busy schedules perfectly, allowing
them to access their accounts with a simple phone
call.
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Additional
Services
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- Money
Orders
- Free
Notary Services
- Fax
Services
- Discount
Tickets To Busch Gardens / Water Country and
other amusement parks
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Scholarships
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None
at this time !
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