Heritage South Credit Union

Heritage South Credit Union share savings rates, certificate (CD) rates, and money market rates are listed below. You can also see mortgage rates offered by Heritage South. Heritage South is based in Sylacauga, AL, and has 12,617 current members. There are 4 branch locations and 5 ATM locations for Heritage South. You can also see a list of services, credit card rates, auto loan rates and payday loan rates offered by Heritage South Credit Union. View Information.

Capitalization Rating
Heritage South Credit Union
Well Capitalized
as of 2018-09-30

Heritage South Credit Union Contact Information

Credit Union Name: Heritage South Credit Union
Current Members: 12,617
Potential Members: 1,540,518
Full Time Employees: 51
Part Time Employees: 5
President: Jim Patton
CEO: Jamie m Payton
Branch Locations: 4
ATM Locations: 5
Corporate Office Address:
61 Gene E Stewart Blvd
Sylacauga, AL 35151
Phone Number: (256) 245-4776
Fax Number: (256) 401-1288

Heritage South Credit Union Services Offered

Indirect Lending: No
Business Share Accounts: No
Health Savings Accounts: No
Individual Development Accounts: No
No Cost Share Drafts: Yes
Share Certificates with Low Minimum Balance Requirements: Yes
Participation Loans: No
Financial Counseling: No
Financial Education: No
Financial Literacy Workshops: No
First Time Homebuyer Program: No
In-School Branches: No
Real Estate Loans: No
Bilingual Services: No
No Cost Bill Payer: Yes
No Cost Tax Prep. Services: No
Student Scholarships: Yes
Member Business Loans: No
Credit Builder: No
Indirect Business Loans: No
Indirect Mortgage Loans: No
Micro Business Loans: No
Micro Consumer Loans: No
Pay Day Lending: No
Refund Anticipation Loans: No
Share Secured Credit Cards: No
Payday Alternative Loans (PAL loans) (FCU Only): No
Risk Based Loans: No
Direct Financing Leases: No
Mortgage Processing: No
Approved Mortgage Seller: No
Debt Cancellation/Suspension Program: No
Borrowing Repurchase Agreements: No
Investment Pilot Program: No
Investment not authorized by the FCU Act (SCU ONLY): No
Deposits and Shares Meeting 703.10(a): No
Brokered Certificates of Deposits: Yes
Overdraft Protection/Courtesy Pay: No
Overdraft Lines of Credit: No
ATM/Debit Card Program: No
PrepaidDebit: No
Interest Only and Payment Option 1st Mortgage Loans: No
Insurance/Investment Sales: No
Brokered Deposits (All deposits acquired through a third party): No
Check Cashing: No
International Remittances: No
Low-cost wire transfers: Yes
Money Orders: No
No Surcharge ATMs: No

Heritage South Credit Union Deposit Rates

Savings Rates (Shares): 0.200%
Checking Account Rates (Share Drafts): 0.000%
IRA/KEOGH Rates: 0.000%
Money Market Rates (Shares): 0.000%
1 Year CD Rates (Share Certificates): 0.000%

Heritage South Credit Union Auto Loan Rates

Auto Loan Rates (New Vehicles): 4.620%
Auto Loan Rates (Used Vehicles): 13.300%

Heritage South Credit Union Credit Card and Payday Loan Rates

Credit Card Rates: 10.890%
Unsecured Loans/Lines of Credit Rates: 13.300%
Payday Rates (PAL loans): 0.000%

Heritage South Credit Union Branches

Alex City Branch
Broadway Branch
Childersburg Branch
Moody Branch