Featured Savings Rates
Featured Accounts

Heritage Trust Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.50%Reward CheckingKasasa Cash
1.70%5-year CD60 Month Share Certificate
0.50%1-year CD12 Month Small Saver Share Certificate

Overview / Commentary
843-832-2600
200 Marymeade Dr
Summerville, SC 29483

Heritage Trust Federal Credit Union is headquartered in Summerville and is the 9th largest credit union in the state of South Carolina. It is also the 468th largest credit union in the nation. It was established in 1955 and as of March of 2017, it had grown to 184 employees and 46,842 members at 15 locations. Heritage Trust Federal Credit Union's savings rates are 44% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to employees of a member of the credit union's select employer group.
See current membership details

Reviews (1)

Heritage Trust Federal Credit Union

I have been a customer of Heritage Trust Federal Credit Union since 1989. I love this bank because of its customer service and attention to detail, making me feel like a trusted friend than just a customer. I have a checking account, a savings account, and a secondary savings account that I use for special projects, such as vacations, large purchases, or Christmas. The checking account plan that I have guarantees me overdraft protection because, if for some reason, my account is overdrawn, the bank will transfer funds from my saving account into my checking account. The bank will do this at no charge, as long as I only have three such instances in a specific time period and my savings account has higher than the minimum balance. The bank has a program for younger customers; I have enrolled both of my sons in an early banking program. They both have savings accounts that earn a small interest rate, but allows them to become savers for things in their future. I love my bank!



Health

Health Grade Components

Overall
NCUA #9986
Year Chartered1955
Employees184
Primary Regulator
Profit Margin
Return on Assets - YTD0.45%
Return on Equity - YTD4.71%
Annual Interest Income$5.4MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$583.3MM$529.1MM
LoansQ1 2017vs Q1 2016$366.8MM$331.6MM
DepositsQ1 2017vs Q1 2016$491.5MM$449.2MM
Equity CapitalQ1 2017vs Q1 2016$54.7MM$53.4MM
Loan Loss AllowanceQ1 2017vs Q1 2016$2.1MM$1.7MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$1.9MM$1.3MM
Real Estate OwnedQ1 2017vs Q1 2016$935.00K$291.00K
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 Trust Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*-$25kKasasa Saver with Kasasa Cash
OTHER TIERS: 0.10% $25k+
0.75%*-$25kKasasa Saver with Kasasa Cash Back
OTHER TIERS: 0.10% $25k+
0.25%--Health Savings
0.15%--Traditional IRA Savings
0.15%--Roth IRA Savings
0.10%--Primary Savings
0.10%$25-Custodial Savings
0.10%--Extra Savings
0.10%--Christmas Club

Heritage Trust Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%$50k-Premium Money Market Account
0.29%*$25k*-Money Market Account
OTHER TIERS: 0.20% $1,500 - $10k | 0.23% $10k - $25k

Heritage Trust Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*-$15kKasasa Cash
OTHER TIERS: 0.15% $15k+
1.50%*-$15kKasasa Cash with Kasasa Saver
OTHER TIERS: 0.15% $15k+
0.10%$500-Heritage Platinum
0.10%*$1k*-Heritage Golden
OTHER TIERS: 0.05% $500 - $1k
0.10%$500-Vintage Checking
0.10%$25-Estate Checking
0.05%$500-Heritage Classic
0.05%$25-Bonus Checking

Heritage Trust Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.70%$250-60 Month Share Certificate
1.25%$250-48 Month Share Certificate
0.95%$250-36 Month Share Certificate
0.75%$250-24 Month Share Certificate
0.50%$250-12 Month Share Certificate
0.50%$100-12 Month Small Saver Share Certificate
0.42%$250-9 Month Share Certificate
0.35%$250-6 Month Share Certificate
0.20%$250-3 Month Share Certificate

Heritage Trust Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.70%$250-60 Month IRA Certificate
1.25%$250-48 Month IRA Certificate
0.95%$250-36 Month IRA Certificate
0.75%$250-24 Month IRA Certificate
0.50%$250-12 Month IRA Certificate
0.50%$100-12 Month Small Saver IRA Certificate
0.42%$250-9 Month IRA Certificate
Locations

Heritage Trust Federal Credit Union has 15 locations. Click to view all Heritage Trust Federal Credit Union locations.