Heritage South Credit Union


P.o. Box 128
Sylacauga, AL 35150
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.20% 0.85% →
1-Year CD 0.65% 0.75% →
2-Year CD 0.86% 0.80% →
5-Year CD N.A. 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Heritage South is an NCUA insured institution located in Sylacauga, AL. It was founded in 1937 and has approximately $170.89 millions in assets.

NCUA Insured Yes / State-Chartered
Charter Number # # 68586
Date Established 1937
Assets $170.89 million
Loans $108.87 million
Deposits $156.68 million
Capital $14.81 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 - October 27, 2021

Your Current Location: Connecticut, CT 06828

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 - October 27, 2021

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
CIT Bank
NMLS ID: 541760
3.092% 3.025% 0.88 $2,152 $1,058 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$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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Heritage South Locations

Climate 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.

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
7.12% 3.79

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, 2021, Heritage South had $873,497 in non-current loans and $224,599 in owned assets. To cover these potential losses it had $14,807,080 in net worth and $606,525 in loans loss reserves. That gives it a Texas Ratio of 7.12%.

Net Worth
Heritage South U.S. Average
8.66% 12.22%

Heritage South FCU has a net worth of 8.66% versus the BestCashCow average of 12.22. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Heritage South

Branches and Savings

What is Heritage South?

A credit union, registered with the NCUA under certificate #68586.
Learn more about credit unions here.

Is Heritage South FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Heritage South is insured by the NCUA.

Who can join Heritage South?

Please see Field of Membership information above for information on who is eligible to join.

What are Heritage South's share account and share certificate rates?

Heritage South's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Heritage South?

Heritage South has total capital of $14.81 million. Full information on Heritage South's financial position is located above.

Who owns Heritage South?

Credit Unions are owned by their members.

Where are Heritage South branches located?

See branch locations nearby.

Are Heritage South ATMs Open 24/7?

Do Heritage South ATMs accept cash deposits?

Can Heritage South customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Heritage South have a mobile app?

Does Heritage South have mobile deposit?

Does Heritage South have quick pay?

How can Heritage South transfer money to other banks or credit unions?

Does Heritage South report to credit bureaus?

Does Heritage South use Chexsystems?

Does Heritage South use Equifax?

What is Heritage South's toll free phone number?

What is Heritage South's ACH Routing Number?

What is Heritage South's SWIFT code?

Where can I find Heritage South's wire transfer form?

What is the Heritage South address for deposits?

What Products Does Heritage South Offer

Does Heritage South offer mortgages?

Compare mortgage rates here.

Does Heritage South offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Heritage South offer auto and RV loans?

Compare auto loan rates here.

Does Heritage South offer student loans or personal loans?

Compare personal loan rates here.

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