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Heritage South Credit Union


Overview / Commentary
www.myhscu.com
256-245-4776
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 1,359th largest credit union in the nation. It was established in 1937 and as of June of 2022, it had grown to 53 employees and 14,772 members at 5 locations. Heritage South Credit Union 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 Q2 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #68586
Year Chartered1937
Employees53
Primary Regulator
Profit Margin
Return on Assets - YTD0.59%
Return on Equity - YTD8.16%
Annual Interest Income$3.1MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$176.8MM$170.9MM
LoansQ2 2022vs Q2 2021$113.9MM$108.9MM
DepositsQ2 2022vs Q2 2021$162.8MM$156.7MM
Equity CapitalQ2 2022vs Q2 2021$12.7MM$12.5MM
Loan Loss AllowanceQ2 2022vs Q2 2021$592.00K$607.00K
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$349.00K$514.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$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
0.30%--Individual Retirement Accounts
0.10%--Regular Share (Savings) Account
0.10%--Christmas Club Account
0.10%--Vacation Club Account

Heritage South Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$10k*-Money Market Account
OTHER TIERS: 0.10% → $2.5k - $5k | 0.15% → $5k - $10k

Heritage South Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%-$15kPremium Rewards Checking Account
0.10%--Prestige Checking Account

Heritage South Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%$1k-48 Month CD - w/Direct Deposit
0.91%$1k-48 Month CD
0.91%$1k-36 Month CD - w/Direct Deposit
0.81%$1k-36 Month CD
0.71%$1k-24 Month CD - w/Direct Deposit
0.55%$1k-18 Month CD - w/Direct Deposit
0.50%$1k-24 Month CD
0.50%$1k-12 Month CD - w/Direct Deposit
0.40%$1k-18 Month CD
0.40%$1k-6 Month CD - w/Direct Deposit
0.30%$1k-12 Month CD
0.25%$1k-6 Month CD

Heritage South Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%$1k-48 Month IRA - w/Direct Deposit
0.91%$1k-36 Month IRA - w/Direct Deposit
0.91%$1k-48 Month IRA
0.81%$1k-36 Month IRA
0.71%$1k-24 Month IRA - w/Direct Deposit
0.55%$1k-18 Month IRA - w/Direct Deposit
0.50%$1k-12 Month IRA - w/Direct Deposit
0.50%$1k-24 Month IRA
0.40%$1k-6 Month IRA - w/Direct Deposit
0.40%$1k-18 Month IRA
0.30%$1k-12 Month IRA
0.25%$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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