2. Heritage South Credit Union

Heritage South Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
3.00%Reward Checking
1.74% - National Average
0.75%1-year CD
1.38% - National Average
0.20%Savings
0.26% - National Average
View all Heritage South Credit Union rates »

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 1,408th largest credit union in the nation. It was established in 1937 and as of December of 2018, it had grown to 48 employees and 12,706 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.
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Health
B+

Data as of Q4 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #68586
Year Chartered1937
Employees48
Primary Regulator
Profit Margin
Return on Assets - YTD-0.06%
Return on Equity - YTD-0.68%
Annual Interest Income$5.4MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$125.1MM$121.2MM
LoansQ4 2018vs Q4 2017$94.8MM$88.3MM
DepositsQ4 2018vs Q4 2017$112.9MM$109.1MM
Equity CapitalQ4 2018vs Q4 2017$11.6MM$11.6MM
Loan Loss AllowanceQ4 2018vs Q4 2017$1.3MM$535.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$1.1MM$770.00K
Real Estate OwnedQ4 2018vs Q4 2017$68.00K$140.00K
Rates
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* 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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