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  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 1,390th largest credit union in the nation. It was established in 1937 and as of March of 2019, it had grown to 50 employees and 13,020 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.
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Health
A

Data as of Q1 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #68586
Year Chartered1937
Employees50
Primary Regulator
Profit Margin
Return on Assets - YTD0.6%
Return on Equity - YTD6.46%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$131.5MM$126.1MM
LoansQ1 2019vs Q1 2018$94.0MM$88.1MM
DepositsQ1 2019vs Q1 2018$118.7MM$113.7MM
Equity CapitalQ1 2019vs Q1 2018$11.8MM$11.7MM
Loan Loss AllowanceQ1 2019vs Q1 2018$1.2MM$535.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$625.00K$418.00K
Real Estate OwnedQ1 2019vs Q1 2018$204.00K$68.00K
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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