P.o. Box 128
Sylacauga, AL 35150
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Heritage South is an NCUA insured institution located in Sylacauga, AL. It was founded in 1937 and has approximately $189.49 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 68586 |
| Date Established | 1937 |
| Assets | $189.49 million |
| Loans | $131.35 million |
| Deposits | $171.30 million |
| Capital | $18.27 million |
Your Current Location: Pennsylvania, PA
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.20% | $2,500 | $4,999 |
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|
|
Money Market
|
0.55% | $25,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.60% | $10,000 | - |
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|
| 12 Mo CD
|
0.65% | $10,000 | - |
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|
| 18 Mo CD
|
0.75% | $10,000 | - |
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|
| 24 Mo CD
|
0.86% | $10,000 | - |
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|
| 36 Mo CD
|
0.96% | $10,000 | - |
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|
| 48 Mo CD
|
1.06% | $10,000 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.85% | $1 | $499 | Learn More |
Your Current Location: Pennsylvania, PA
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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:
Indiana,Pennsylvania
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 622.50 | A | View Lobby Hours | |
| 635.72 | B | View Lobby Hours | |
| 637.17 | C | View Lobby Hours | |
| 638.68 | D | View Lobby Hours |
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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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.
| Heritage South | U.S. Average |
|---|---|
| 28.80% | 6.78 |
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 December 31, 2025, Heritage South had $4,969,459 in non-current loans and $540,955 in owned assets. To cover these potential losses it had $18,271,750 in net worth and $862,233 in loans loss reserves. That gives it a Texas Ratio of 28.80%.
| Heritage South | U.S. Average |
|---|---|
| 9.64% | 14.48% |
Heritage South FCU has a net worth of 9.64% versus the BestCashCow average of 14.48. 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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Last Update on September 30, 2026
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