Heritage South Credit Union

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A short history of Heritage South CU

Since its inception in 1937 the Heritage South Credit Union has been serving its members in the SYLACAUGA, Alabama area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Jamie Payton, the Heritage South CU has grown its membership to over 11,165 with assets of more than $120,762,180. They have a main office and 4 branch offices. Please see the credit unions website or contact them by phone at (256) 245-4776 or email them at mgmt@myhscu.com to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in SYLACAUGA, AL.

General Information For Heritage South CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 68586
Address P.O. BOX 128 
State Alabama 
Zip-Code 35150
Phone Number (256) 245-4776
Fax Number (256) 401-1288
Email Address: mgmt@myhscu.com
CEO/President Jamie Payton
Members 11,165 
Full-Time Employees 43 
Part-Time Employees 10 
Number of Branch Offices
Total Assets 120,762,180 
Website http://www.myhscu.com 

Compare Heritage South Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Coosa Pines CU Coosa Pines Federal Credit Union 33710 US Highway 280 35044 (256) 378-5559 No 13.43
Dixie Craft Employees CU Dixie Craft Employee Credit Union 1537 S Main St 35072 (256) 839-6354 No 13.68
Ebsco CU EBSCO FCU 5724 Highway 280 E 35201 (205) 991-1106 No 28.14

Heritage South Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Heritage South Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 13.44 6.79 7.71 5.02 4.42
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 473 539 606 270 157
Rank Among All Alabama Credit Unions 30 64 61 23 13

Heritage South Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.20 0.20 0.55 0.60 0.85
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 102 108 55 240 179
Rank Among All Alabama Credit Unions 5 18 3 31 16
Heritage South Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 13.4401,1522,052,674
All Other Unsecured Loans/Lines of Credit 14.0901,8624,893,219
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 6.7903817,705,837
Used Vehicle Loans 7.7101,66520,020,925
Total 1st Mortgage Real Estate Loans/Lines of Credit 5.02050939,720,566
Total Other Real Estate Loans/Lines of Credit 4.420712,088,855
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.98048210,197,206
TOTAL LOANS & LEASES 6,12286,679,282

Heritage South Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 29616,549,505302,268,879
    a. > 15 years 1197,95800
    b. 15 Years or less 2489,04900
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 21022,484,0543250,078


Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 251,168,7968471,412
Open-End Fixed Rate 46920,0595101,351
TOTALS 58041,809,421463,091,720


Interest Only & Payment Option 1st Mortgage Loans 5778,9121,239,480
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Heritage South Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing No
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes