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iAdvertiser Disclosure
Advertiser Disclosure
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 Heritage South Credit Union Rates & Review November 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.
Read Full Bio →
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 30, 2026
Heritage South Credit Union's 6 Month CD rates are at 3.81%, 12 Month CD rates are at 3.56%, 18 Month CD rates are at 3.30%, 24 Month CD rates are at 3.04%, 36 Month CD rates are at 2.78%. Heritage South Credit Union's savings rates are at 0.10%. Heritage South Credit Union's money market rates are at 0.80%. Heritage South Credit Union's checking rates are as high as 3.00%. Heritage South Credit Union's 15 Year Fixed Mortgage rates are at 5.25%, 15 Year 5/5 Mortgage rates are at 6.25%, 30 Year 5/5 Mortgage rates are at 6.50%. Heritage South Credit Union's Personal Loan Rates are as low as 8.90%. Heritage South Credit Union's Credit Card Rates are at 9.90%. Heritage South Credit Union's CD rates are 17% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 10/30/2026. 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 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
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Add Your Rating and Review for Heritage South Credit Union
Frequently Asked Questions About Heritage South Credit UnionDoes Heritage South Credit Union offer CDs?Yes. Heritage South Credit Union current CD rates include its 6 Month CD at 3.81% APY, its 12 Month CD at 3.56% APY and its 18 Month CD at 3.30% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Heritage South Credit Union NCUA insured?Yes. Heritage South Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Heritage South Credit Union?The highest Heritage South Credit Union CD rate is its 6 Month CD w/Direct Deposit & Checking at 3.97% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Heritage South Credit Union offer?Heritage South Credit Union CD rates are 3.81% APY for a 6 month CD, 3.71% APY for a 12 month CD, 3.45% APY for an 18 month CD, 3.19% APY for a 2 year CD and 2.78% APY for a 3 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Heritage South Credit Union for its full lineup. What is the highest savings rate at Heritage South Credit Union?The highest Heritage South Credit Union savings rate is its Regular Shares (Savings) at 0.10% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Heritage South Credit Union?The highest Heritage South Credit Union money market rate is its Money Market at 0.80% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Heritage South Credit Union?The highest Heritage South Credit Union checking rate is its Premium Rewards Checking at 3.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest mortgage rate at Heritage South Credit Union?The lowest Heritage South Credit Union mortgage rate is its 15 Year Fixed Mortgage at 5.25%, verified by MonitorBankRates as of October 30, 2026. Heritage South Credit Union mortgage rates are 6.50% for a 30 year mortgage and 5.25% for a 15 year mortgage. What is the lowest auto loan rate at Heritage South Credit Union?The lowest Heritage South Credit Union auto loan rate is its New Autos at 4.25% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Heritage South Credit Union?The lowest Heritage South Credit Union personal loan rate is its Personal Loan at 8.90% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Heritage South Credit Union?The lowest Heritage South Credit Union credit card APR is its VISA Platinum Credit Card at 9.90% APR, verified by MonitorBankRates as of October 30, 2026. How 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Heritage South Credit Union rates compare?Heritage South Credit Union's CD rates are 17% higher than the MonitorBankRates national average, and it has an A+ health rating. Heritage South Credit Union's top rates are its 6 Month CD w/Direct Deposit & Checking at 3.97% APY, its Regular Shares (Savings) at 0.10% APY, its Money Market at 0.80% APY, its Premium Rewards Checking at 3.00% APY, its 15 Year Fixed Mortgage at 5.25%, its Personal Loan at 8.90% APR and its VISA Platinum Credit Card at 9.90% APR, verified by MonitorBankRates on October 30, 2026. Current Heritage South Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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