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"We value the emotional connection we have with our members. We anticipate our members' needs and make them our number one priority."

— Renee Howse, Branch Manager

We're here to help simplify banking and save you time at Heritage Credit Union, Rockford.

Product Details



Checking Accounts

$100 offerº

Start banking at Heritage today—there's no minimum balance to open an account and no hidden fees. Plus, we offer free online and mobile banking features like Mobile Deposit, Pay a Friend, External Transfers and more.

Use promo code 100CHECKWEB when you apply online or when you visit our branch. 

Auto Loans

Heritage Credit Union in Rockford offers auto loan rates as low as 1.99% APR*. We also have same day approvals to make the car buying process simple and fast. Fill out an online application or visit our branch to save today.

Credit Cards

Choose between a low rate or rewards card. Either way, you'll have a low monthly credit card payment with no annual fee. And as always, Heritage credit cards have no fee balance transfers and no annual fee.


Whether you're a first time homebuyer or refer to yourself as a seasoned vet, our loan officers are here to walk you through every step of the home buying process.  

Street Address

5959 E State St Get Directions 24-Hour ATM Access Available

Mailing Address

5959 E State St Rockford, IL 61108



Lobby Hours

Table of Hours
Mon - Fri9:00 am - 5:00 pm
Sat9:00 am - 12:00 pm

Drive Up Hours

Table of Hours
Mon - Thu8:00 am - 5:00 pm
Fri8:00 am - 6:00 pm
Sat8:30 am - 12:00 pm

24-Hour ATM
Access Available

ºAll offers subject to qualified credit. New members: subject to member eligibility and an initial deposit of $5 into a primary savings account, which must remain open for 12 months. Accountholder must be 16 years of age or older to redeem offer. Promo code must be presented by December 31, 2019, and prior to opening the account. Qualifying accounts must be opened within 30 days after presenting promo code. Cannot use multiple offers on same product. Promotions can change or end at any time. Each coupon may be used once per individual member account. Bonus may be taxable as income and reported on IRS Form 1099-INT. Heritage employees and their immediate families are not eligible. Void if expired, altered, reproduced or photocopied. Must not have had an open Heritage checking account in the 6 months prior to opening new account. $100 will be credited to your Heritage primary share account within 30 days of receipt of your first direct deposit of $100 or more into a new qualifying checking account. Direct deposit must be new to Heritage (not transferred from another Heritage account) and received within 30 days of opening new checking account. Direct deposit must be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. Transfers from external accounts do not qualify.

7 Year ARM Mortgage

3.500% Rate, View all mortgage rates >

Auto Loan

24 Months, as low as 1.99% APR*