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 Heritage South Credit Union Rates & Review April 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: April 19, 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 0.30%. 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 4.90%. Rates were last updated on 04/19/2026. 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 
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 Credit Card Rates
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
Mindy Grier
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+ (98/100)
Texas Ratio
4.90%
Return on Assets (ROA)
0.2446%
Return on Equity (ROE)
2.4628%
Non-Performing Loans Ratio (NPL)
0.67%
Total Assets
180,161,201
Total Amount of Shares and Deposits
163,429,558
Total Shares and Deposits < 1 Year
156,847,365
Total Shares and Deposits 1 3 Years
6,282,993
Total Shares and Deposits > 3 Years
299,200
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,868,450
Total Uninsured Shares and Deposits > $250K (F+J)
3,868,450
Total Insured Shares and Deposits > $250K (item 17 less item K)
159,561,108
Total Interest Expense (Sum of items 6 8)
1,677,382
Share Certificates
1,207
Number of Accounts for Share Drafts
10,739
IRA KEOGH Accounts
502
Number of Accounts for Regular Shares
17,040
Non Member Deposits
24
Money Market Shares
204
Net Income (unless the amount is already included in Undivided Earnings)
440,755
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
16,358,592
Total Liabilities
164,106,634
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Heritage South Credit UnionIs Heritage South Credit Union a safe place to deposit money?Yes, Heritage South Credit Union is considered a safe financial institution. With a Texas Ratio of 4.8961845386687%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current Heritage South Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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