2. Heritage South Credit Union

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 29th largest credit union in the state of Alabama. It is also the 1,383rd largest credit union in the nation. It was established in 1937 and as of June of 2019, it had grown to 52 employees and 13,310 members at 5 locations. Heritage South Credit Union's money market rates are 2X the national average, and it has an A 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
A

Data as of Q2 2019

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Health Grade Components

Overall
NCUA #68586
Year Chartered1937
Employees52
Primary Regulator
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD7.83%
Annual Interest Income$3.0MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$131.7MM$122.5MM
LoansQ2 2019vs Q2 2018$102.4MM$92.6MM
DepositsQ2 2019vs Q2 2018$118.8MM$111.1MM
Equity CapitalQ2 2019vs Q2 2018$11.9MM$10.8MM
Loan Loss AllowanceQ2 2019vs Q2 2018$1.2MM$1.6MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$658.00K$761.00K
Real Estate OwnedQ2 2019vs Q2 2018$204.00K$68.00K
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

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

willy12   |  
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 Nov for $50k+ interest & bonus and then another small one at Nasa on 12/4. In case this deal is still available.

I would prefer to not have to join a new CU for a mediocre deal. And I consider a 13 month 2.75% mediocre. Even though its apparently a pretty good rate nationally for a non IRA account. But Heritage for me is not a new account.
https://www.myhscu.com/  


When I opened the account, it was about an hours drive round trip. And if they force me to walk in a branch, that might just keep me away from whatever small chance there was of me opening one. But, who knows, if rates keep dropping and theirs does not, maybe it looks better in time?
3

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

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.