P.O. BOX 128
Sylacauga, AL 35150


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 68586
Date Established 1937
Assets $122.53 million
Loans $92.61 million
Deposits $111.08 million
Capital $12.57 million

Heritage South is an NCUA insured institution located in Sylacauga, AL. It was founded in 1937 and has approximately $122.53 millions in assets.

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 - February 16, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.60% $2,500 $4,999 Learn MoreShow Less
Money Market
0.80% $10,001 $25,000 Learn MoreShow Less
Money Market
1.00% $25,001 - Learn MoreShow Less
Fixed IRA
0.75% $1 - Learn MoreShow Less
Special: 19 Mo FIRA
2.20% $1,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.65% $1,000 - Learn MoreShow Less
12 Mo CD
0.75% $1,000 - Learn MoreShow Less
18 Mo CD
0.85% $1,000 - Learn MoreShow Less
Special: 19 Mo CD
2.20% $1,000 - Learn MoreShow Less
24 Mo CD
1.26% $1,000 - Learn MoreShow Less
36 Mo CD
1.36% $1,000 - Learn MoreShow Less
48 Mo CD
1.46% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.85% $1 - Learn MoreShow Less

Loan Rates - February 16, 2019

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 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.750% 4.750% 0.00 $0 $1,305 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Flagstar Bank
Flagstar Bank
Intro APR
3.490 %
After Intro: 6.240 %
Intro Period: 6 months
$25,000 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


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.

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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
15.44% 5.78

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 June 30, 2018, Heritage South had $1,494,591 in non-current loans and $695,727 in owned assets. To cover these potential losses it had $12,572,074 in net worth and $1,618,044 in loans loss reserves. That gives it a Texas Ratio of 15.44%.

Net Worth
Heritage South U.S. Average
10.26% 13.21%

Heritage South FCU has a net worth of 10.26% versus the BestCashCow average of 13.21. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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*All images, logos and public notes on this page appear courtesy of HERITAGE SOUTH and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.