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Heritage South Credit Union


Overview / Commentary
www.myhscu.com
888-245-4776
60 Gene E Stewart Blvd
Sylacauga, AL 35151

Heritage South Credit Union is headquartered in Sylacauga and is the 28th largest credit union in the state of Alabama. It is also the 1,320th largest credit union in the nation. It was established in 1937 and as of December of 2019, it had grown to 54 employees and 13,665 members at 5 locations. Heritage South Credit Union's money market rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Heritage South Credit Union of Alabama is open to individuals who live, work, worship, or attend school in the Alabama counties of Calhoun, Chambers, Clay, Cleburne, Chilton, Coosa, Elmore, Talladega, Jefferson, Lee, Randolph, St. Clair, Shelby, and Tallapoosa.
See current membership details

Related Posts

2.75% 13 Month new money, limited time offer. In 4-5 Alabama branches only. - 8/24/2019

I used to use their RCA which pays 3% but I stopped when short term CDs were paying more than that. My account is still open though and today, mint said I had to log in there to verify my email address before it would update. So I did. It was there on their front page where its mentioned. The problem is, their is an asterisk. And I cannot read the fine print below. I think they just require new money and i think its only in person at their Alabama Branches. Possibly a $500 minimum too. It also says limited time offer. I have an Andrews maturing Monday and I plan to buy a Keesler 30 month Jumbo that pays 3.21%. I have another small Andrews maturing on 9/18. That one is not a jumbo though. While I think I would prefer a longer term, I will keep this in mind just in case I cant find anything better. $45k of that is earmarked for replenishing my current RCAs which I had to empty for the Marcus deal and so I can buy a jumbo Monday. After 9/18, I have the Marcus deal which ends in N

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Health
B+

Data as of Q4 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #68586
Year Chartered1937
Employees54
Primary Regulator
Profit Margin
Return on Assets - YTD0.35%
Return on Equity - YTD4.1%
Annual Interest Income$6.0MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$142.9MM$125.1MM
LoansQ4 2019vs Q4 2018$106.0MM$94.8MM
DepositsQ4 2019vs Q4 2018$130.2MM$112.9MM
Equity CapitalQ4 2019vs Q4 2018$12.0MM$11.6MM
Loan Loss AllowanceQ4 2019vs Q4 2018$1.1MM$1.3MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$981.00K$1.1MM
Real Estate OwnedQ4 2019vs Q4 2018$199.00K$68.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Heritage South Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Heritage South Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.85%--Individual Retirement Accounts
0.20%--Regular Share (Savings) Account
0.20%--Christmas Club Account
0.20%--Vacation Club Account

Heritage South Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$25k*-Money Market Account
OTHER TIERS: 0.60% → $2.5k - $5k | 0.70% → $5k - $10k | 0.80% → $10k - $25k

Heritage South Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%--Premium Rewards Checking Account
0.20%--Prestige Checking Account

Heritage South Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.66%$1k-48 Month CD - w/Direct Deposit
1.61%$1k-36 Month CD - w/Direct Deposit
1.56%$1k-24 Month CD - w/Direct Deposit
1.51%$1k-18 Month CD - w/Direct Deposit
1.46%$1k-48 Month CD
1.36%$1k-36 Month CD
1.26%$1k-24 Month CD
1.26%$1k-12 Month CD - w/Direct Deposit
1.11%$1k-6 Month CD - w/Direct Deposit
0.85%$1k-18 Month CD
0.75%$1k-12 Month CD
0.65%$1k-6 Month CD

Heritage South Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.66%$1k-48 Month IRA - w/Direct Deposit
1.61%$1k-36 Month IRA - w/Direct Deposit
1.56%$1k-24 Month IRA - w/Direct Deposit
1.51%$1k-18 Month IRA - w/Direct Deposit
1.46%$1k-48 Month IRA
1.36%$1k-36 Month IRA
1.26%$1k-12 Month IRA - w/Direct Deposit
1.26%$1k-24 Month IRA
1.11%$1k-6 Month IRA - w/Direct Deposit
0.85%$1k-18 Month IRA
0.75%$1k-12 Month IRA
0.65%$1k-6 Month IRA
Locations


Heritage South Credit Union Locations
Branch Office60 Gene E Stewart BlvdSylacauga, AL 35151
Branch Office901 N Broadway AveSylacauga, AL 35150
Branch Office14 Faye S Perry driveChildersburg, AL 35044
Branch Office2825 Moody PkwyMoody, AL 35004-3102
Branch Office3553 US Hwy 280Alexander City, AL 35010

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