Heritage South Credit Union

Overview / Commentary
60 Gene E Stewart Blvd
Sylacauga, AL 35151

Heritage South Credit Union is headquartered in Sylacauga and is the 30th largest credit union in the state of Alabama. It is also the 1,319th largest credit union in the nation. It was established in 1937 and as of March of 2024, it had grown to 57 employees and 15,568 members at 7 locations. Heritage South Credit Union has a B+ health rating.

Field of Membership Restrictions

Heritage South Credit Union of Alabama is open to those 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, or Tallapoosa.
See current membership details

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Holiday13 Month CD Special - 10/25/2023

Not exactly the biggest rate increase around, but at least somewhat higher than some around this area. 5.64%, Traditional or IRA Certificates available. $1000 minimum, no maximum. At maturity, converts to 12 month CD term & rate. 

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Health Grade Components

NCUA #68586
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD0.09%
Return on Equity - YTD1.14%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$186.3MM$172.3MM
LoansQ1 2024vs Q1 2023$128.6MM$121.1MM
DepositsQ1 2024vs Q1 2023$171.3MM$157.9MM
Equity CapitalQ1 2024vs Q1 2023$14.3MM$13.5MM
Loan Loss AllowanceQ1 2024vs Q1 2023$751K$805K
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$571K$494K
Real Estate OwnedQ1 2024vs Q1 2023$395K$68K

Rates for Heritage South Credit Union are currently being reviewed.


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
Branch Office500 Madix DrEclectic, AL 36024
Branch Office20984 AL Highway 9Goodwater, AL 35072-6620

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