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 Heritage South Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 10, 2026
Heritage South Credit Union's top rates as of October 10, 2026 are 3.97% APY on its 6 Month CD w/Direct Deposit & Checking, 0.10% APY on savings, 0.80% APY on money market accounts, 3.00% APY on checking, 5.25% on its 15 Year Fixed Mortgage, personal loans from 8.90% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other Heritage South Credit Union CD rates include 6 Month CD at 3.81%, 12 Month CD at 3.56%, and 18 Month CD at 3.30%. Other Heritage South Credit Union mortgage rates include 15 Year 5/5 Mortgage at 6.25%, and 30 Year 5/5 Mortgage at 6.50%. MonitorBankRates evaluates the financial stability of Heritage South Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.95%. Rates last updated and verified on 10/10/2026. Heritage South Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Heritage South Credit Union? Share your experience about Heritage South Credit Union by leaving a review below, or read customer reviews before you decide to use Heritage South Credit Union. Heritage South Credit Union
280 Office 60 Gene E Stewart Blvd
https://www.myhscu.com Sylacauga, AL 35151  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Heritage South Credit Union CD Rates
Heritage South Credit Union Savings Rates
Heritage South Credit Union Money Market Rates
Heritage South Credit Union Checking Rates
Heritage South Credit Union Mortgage Rates
Heritage South Credit Union Auto Loan Rates
Heritage South Credit Union RV, Boat and Powersport Loan Rates
Heritage South Credit Union Credit Card Rates
Heritage South Credit Union Personal Loan Rates
Heritage South Credit Union Other Rates
Financial Health HistoryHeritage South Credit Union’s Texas Ratio rose from 4.71% in Q3 2023 to 5.95% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Heritage South Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Heritage South Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Heritage South Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Heritage South Credit Union
Website
https://www.myhscu.com
Address
60 Gene E Stewart Blvd,
Sylacauga, AL 35151
Phone
256-245-4776
Fax
256-401-1288
President
Dale Price
CEO
Jamie Payton
Full-Time Employees
58
Part-Time Employees
6
Branch Locations
7
ATM Locations
5
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.95%
Return on Assets (ROA)
0.3379%
Return on Equity (ROE)
3.3181%
Non-Performing Loans Ratio (NPL)
0.88%
Total Assets
183,668,052
Total Amount of Shares and Deposits
165,847,799
Total Shares and Deposits < 1 Year
163,894,608
Total Shares and Deposits 1 3 Years
1,953,189
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,601,456
Total Uninsured Shares and Deposits > $250K (F+J)
4,601,456
Total Insured Shares and Deposits > $250K (item 17 less item K)
161,246,343
Total Interest Expense (Sum of items 6 8)
1,272,484
Share Certificates
1,213
Number of Accounts for Share Drafts
10,845
IRA KEOGH Accounts
497
Number of Accounts for Regular Shares
16,812
Non Member Deposits
18
Money Market Shares
190
Net Income (unless the amount is already included in Undivided Earnings)
620,629
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
18,181,476
Total Liabilities
166,740,015
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Heritage South Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for Heritage South Credit Union
Frequently Asked Questions About Heritage South Credit UnionHow many branches does Heritage South Credit Union operate?Heritage South Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Heritage South Credit Union?Yes, to access services at Heritage South Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Heritage South Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Heritage South Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Heritage South Credit Union offer online and mobile banking?Most modern institutions like Heritage South Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.myhscu.com. Current Heritage South Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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