Featured Savings Rates
Featured Accounts

Heritage South Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.50%1-year CD12 Month CD
0.20%SavingsRegular Share (Savings) Account
1.21%4-year CD48 Month CD

Overview / Commentary
888-245-4776
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 1,502nd largest credit union in the nation. It was established in 1937 and as of December of 2015, it had grown to 40 employees and 10,141 members at 4 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 the residents, church members, registered students, and the people that maintain employment within these qualified counties: Talladega, Jefferson, Shelby, Coosa, Tallapoosa, Elmore, Chambers, Randolph, Chilton, Calhoun, Clay, Cleburne, St. Clair, and Lee.
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Health
A

Health Grade Components

Overall
NCUA #68586
Year Chartered1937
Employees40
Primary Regulator
Profit Margin
Return on Assets - YTD0.27%
Return on Equity - YTD2.53%
Annual Interest Income$4.1MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$106.0MM$96.3MM
LoansQ4 2015vs Q4 2014$71.3MM$63.8MM
DepositsQ4 2015vs Q4 2014$94.5MM$85.2MM
Equity CapitalQ4 2015vs Q4 2014$11.0MM$10.8MM
Loan Loss AllowanceQ4 2015vs Q4 2014$303.00K$324.00K
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$467.00K$446.00K
Real Estate OwnedQ4 2015vs Q4 2014$0$226.00K
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
0.85%--Roth Individual Retirement Account
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: 0.30% $2,500 - $5k | 0.50% $5k - $10k | 0.75% $10k - $25k

Heritage South Credit Union Checking Account Rates

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

Heritage South Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.41%$1k-48 Month CD - w/Direct Deposit
1.36%$1k-36 Month CD - w/Direct Deposit
1.31%$1k-24 Month CD - w/Direct Deposit
1.26%$1k-18 Month CD - w/Direct Deposit
1.21%$1k-48 Month CD
1.00%$1k-36 Month CD
1.00%$1k-12 Month CD - w/Direct Deposit
0.85%$1k-24 Month CD
0.85%$1k-6 Month CD - w/Direct Deposit
0.60%$1k-18 Month CD
0.50%$1k-12 Month CD
0.40%$1k-6 Month CD

Heritage South Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.41%$1k-48 Month IRA - w/Direct Deposit
1.36%$1k-36 Month IRA - w/Direct Deposit
1.31%$1k-24 Month IRA - w/Direct Deposit
1.26%$1k-18 Month IRA - w/Direct Deposit
1.21%$1k-48 Month IRA
1.00%$1k-12 Month IRA - w/Direct Deposit
1.00%$1k-36 Month IRA
0.85%$1k-6 Month IRA - w/Direct Deposit
0.85%$1k-24 Month IRA
0.60%$1k-18 Month IRA
0.50%$1k-12 Month IRA
0.40%$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