Heritage South Credit Union

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Review based on 12 criteria Rating: 3 out of 5

P.O. Box 128, Sylacauga, AL 35150

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Heritage South Credit Union was founded in 1937. Headquartered in Sylacauga, Alabama, Heritage South Credit Union is a state chartered and federally insured credit union, being chartered in Alabama and insured through the National Credit Union Share Insurance Fund (NCUSIF). Heritage South Credit Union is also a member of the , which allows a credit union to access low cost secured borrowings or advances and prlides its members with financial products and services that assist and enhance the financing of housing and community lending.

As of December 31, 2016, Heritage South Credit Union services 10,712 members through its 4 offices and branches and 41 full-time and 8 part-time employees. It has $114,030,725 of total assets and $12,604,887 of net worth. Based on its asset size and net worth ratio, Heritage South Credit Union is classified as a Well Capitalized medium large credit union.

Heritage South Credit Union offers a number of deposit and loan products to its members. To find out how competitive the offers are, please go to the Interest Rates page. Heritage South Credit Union also provides an array of services to its members and local communities. Heritage South Credit Union plans to extend its services by adding more branches or service centers in the next 12 month. To find out more, please go to the Services page.

The following two tables list the deplitory and loan interest rates of Heritage South Credit Union’s popular offerings. You can find out how competitive the offerings are by comparing them to the median interest rates offered by credit unions in Alabama and in the nation.

Major Deplitory Accounts and Interest Rates (%)

Interest Rate
Median of Alabama
Median of USA
Checking
0.2000
0.0000
0.0000
Savings
0.2000
0.2500
0.1200
Money Market
0.5500
0.3000
0.2500
Certificate Deplit
0.6000
0.6000
0.5800
IRA
0.8500
0.6000
0.5000

Major Loan Accounts and Interest Rates (%)

Interest Rate
Median Rates of Alabama
National Median Rates
Credit Cards
13.6800
9.9900
9.9900
Unsecured Line of Credits
13.9800
12.3550
10.9500
Short-term Small Amount
n/a
26.0000
25.0000
Student Loans
n/a
6.0000
6.0200
New Car Loans
6.7700
4.0000
3.3300
Used Car Loans
7.6500
5.3300
4.5000
1st Mortgage Real Estates
5.0400
4.5000
4.2500
Other Real Estates
4.4800
5.0000
4.7000

Heritage South Credit Union prlides a number of ways to access its services. In addition to its office and branches, a member can perform banking through Internet, phones, ATMs, and mobile devices. The table below lists the electronic banking services prlided by Heritage South Credit Union.

Electronic Banking Service Offerings

Membership Application
Yes
Yes
Share Account Transfers
Yes
New Loan Application
Yes
Share Draft Orders
Yes
No
New Share Account
No
Bill Payment
Yes
No
e-Statements
Yes
Loan Payments
Yes
No
Account Balance Inquiry
Yes
No
No
View Account History
Yes
No

As a community financial institution, Heritage South Credit Union actively involves in local communities by prliding services such as first tim home buyer programs.

Community and other Service Offerings

Financial Counselling
No
Bilingual Services
No
Free Bill Pay
Yes
Financial Education
No
In-School Branches
Yes
Free Tax Preparation Service
No
Financial Literacy Workshops
No
Student Scholarships
Yes
Insurance/Investment Sales
No
First Time Homebuyer Program
No
280 Office
Main Office

60 Gene E Stewart Blvd
Sylacauga, AL 35151
Phone:

Broadway Branch
901 N Broadway Ave
Sylacauga, AL 35150
Phone:

Childersburg
14 Faye S Perry Drive
Childersburg, AL 35044
Phone:

Moody Branch
2825 Moody Pkwy
Moody, AL 35004-3102
Phone:

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  1. dizhome.ru Staff
    dizhome.ru Staff

    Last Updated on May 30, 2017

    May 30, 2017 at 10:23 pm

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