Heritage Trust Federal Credit Union


Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.50%Reward CheckingKasasa Cash
2.10%5-year CD60 Month Share Certificate
1.00%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 461st largest credit union in the nation. It was established in 1955 and as of June of 2018, it had grown to 193 employees and 49,365 members at 17 locations. Heritage Trust Federal Credit Union's money market rates are 48% 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 (2)

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!

Customer Service

Heritage Trust Federal Credit Union has been my bank for over 23 years. It is small enough for personal recognition with the staff but big enough to offer the same things as a big time bank. I can always go in and dispute a fee and the customer service will always be polite and kind even if I do not get what I want. Now their fees are outrageous and for things like statements and bad transfer etc. things I am not sure i know what it means but it can be found on my statement. I am please with HT and do not plan on changing any time soon.



Health

Health Grade Components

Overall
NCUA #9986
Year Chartered1955
Employees193
Primary Regulator
Profit Margin
Return on Assets - YTD0.14%
Return on Equity - YTD1.5%
Annual Interest Income$11.8MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$621.3MM$589.9MM
LoansQ2 2018vs Q2 2017$432.9MM$387.3MM
DepositsQ2 2018vs Q2 2017$525.3MM$495.6MM
Equity CapitalQ2 2018vs Q2 2017$56.2MM$55.8MM
Loan Loss AllowanceQ2 2018vs Q2 2017$3.7MM$2.1MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$2.7MM$2.2MM
Real Estate OwnedQ2 2018vs Q2 2017$559.00K$363.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Heritage Trust Federal 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 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
0.25%$1-Traditional IRA Savings
0.25%$1-Roth IRA Savings
0.10%$5-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
0.65%$50k-Premium Money Market Account
0.49%*$25k*-Money Market Account
OTHER TIERS: 0.40% $1.5k - $10k | 0.43% $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
2.10%$250-60 Month Share Certificate
1.80%$250-48 Month Share Certificate
1.45%$250-36 Month Share Certificate
1.25%$250-24 Month Share Certificate
1.00%$250-12 Month Share Certificate
1.00%$100-12 Month Small Saver Share Certificate
0.72%$250-9 Month Share Certificate
0.65%$250-6 Month Share Certificate
0.40%$250-3 Month Share Certificate

Heritage Trust Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.10%$250-60 Month IRA Certificate
1.80%$250-48 Month IRA Certificate
1.45%$250-36 Month IRA Certificate
1.25%$250-24 Month IRA Certificate
1.00%$250-12 Month IRA Certificate
1.00%$100-12 Month Small Saver IRA Certificate
0.72%$250-9 Month IRA Certificate
Locations

Availability



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