Heritage South Credit Union


P.o. Box 128
Sylacauga, AL 35150
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Notable Rates APY Vs.Others
Savings 0.20% 5.50% →
1-Year CD 0.65% 5.38% →
2-Year CD 0.86% 4.95% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

Heritage South is an NCUA insured institution located in Sylacauga, AL. It was founded in 1937 and has approximately $186.25 millions in assets.

NCUA Insured Yes / State-Chartered
Charter Number # # 68586
Date Established 1937
Assets $186.25 million
Loans $128.63 million
Deposits $171.30 million
Capital $17.24 million

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.

Deposit Rates - July 24, 2024

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.20% $2,500 $4,999 Learn More
Money Market
0.55% $25,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.60% $10,000 - Learn More
12 Mo CD
0.65% $10,000 - Learn More
18 Mo CD
0.75% $10,000 - Learn More
24 Mo CD
0.86% $10,000 - Learn More
36 Mo CD
0.96% $10,000 - Learn More
48 Mo CD
1.06% $10,000 - Learn More
Variable IRA Rates APY MIN MAX
0.85% $1 $499 Learn MoreShow Less

Loan Rates - July 24, 2024

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Heritage South

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.725% 6.625% 0.75 $3,298 $2,049 Learn More
New American Funding, LLC.
NMLS ID: 6606
6.834% 6.740% 1.00 $3,075 $2,074 Learn More
Rocket Mortgage
NMLS ID: 3030
7.064% 6.990% 0.75 $2,400 $2,127 Learn More
New American Funding, LLC
NMLS ID: 6606
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.990 %
$0 Learn More
More Info

Note to Heritage South
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Below are Heritage South branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Heritage South Locations around zip code 20146

BranchDistance Map View Lobby Hours

Moody Branch

607.91 A View Lobby Hours

Broadway Branch

616.03 B View Lobby Hours


616.24 C View Lobby Hours

280 Office

617.84 D View Lobby Hours

Climate Policy and Initiatives

HERITAGE SOUTH is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Heritage South Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Heritage South. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Heritage South U.S. Average
22.51% 6.52

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2024, Heritage South had $3,561,262 in non-current loans and $513,262 in owned assets. To cover these potential losses it had $17,241,106 in net worth and $862,233 in loans loss reserves. That gives it a Texas Ratio of 22.51%.

Net Worth
Heritage South U.S. Average
9.26% 13.65%

Heritage South FCU has a net worth of 9.26% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Heritage South

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