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Heritage South Credit Union Share
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Overview Share
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Heritage South Credit Union is a federally insured state credit union based in Sylacauga, Alabama. It has been opened since 1937, for 85 years.

With around $125,140,000 in assets, Heritage South Credit Union is considered to be a large credit union. It has 5 branches and 5 ATM locations.

About Share
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Address P.O. Box 128
Sylacauga, Alabama 35150
Website http://www.myhscu.com
Phone (256) 245-4776
Fax (256) 401-1288
CEO Jamie m. Payton
President of the Board Angie Hughes
Services Offered
Score Card Share
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85 years
Years in business
Opened in 1937
Well Capitalized
Net worth classification
Source: NCUA
12,706 members
Membership type: State chartered natural person credit union
Above average number of members
242:1
Credit union member to staff ratio
242 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$125,141,054
Total assets
Above average
5 branches
Compared with an average of 4 nationally and 4 in Alabama
Above average number of branches
0.20%
Savings interest rate
Compared to 0.3% nationally
10.32%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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5 branches
Compared with an average of 4 nationally and 4 in Alabama
Above average number of branches
Heritage South Credit Union Branch Locations

Heritage South Credit Union: Moody Branch
2825 Moody Parkway
Moody, Alabama 35004
ATM Available
Heritage South Credit Union: 280 Office
60 Gene E. Stewart Boulevard
Sylacauga, Alabama 35151
ATM Available
Heritage South Credit Union: Childersburg
14 Faye S. Perry Drive
Childersburg, Alabama 35044
ATM Available
Heritage South Credit Union: Alex City Branch
3553 US Highway 280
Alexander City, Alabama 35010
ATM Available
Heritage South Credit Union: Broadway Branch
901 North Broadway Avenue
Sylacauga, Alabama 35150
ATM Available
Members Share
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12,706 members
Membership type: State chartered natural person credit union
Above average number of members

With 12,706 members, the Heritage South Credit Union is considered to be a large credit union. It is larger than 75% of credit unions.

Fees Share
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$170
Average fee per member
The average fee per member at the Heritage South Credit Union is $170, which is very high compared to most credit unions. This rate is higher than 98% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Heritage South Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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242:1
Credit union member to staff ratio
242 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
52 staff members
FTE (full-time equivalent)
16% of employees are part-time
48 full-time, 9 part-time

Heritage South Credit Union has 48 full-time staff members and 9 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 84% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Heritage South Credit Union has around 242 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets Share
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$125,141,054
Total assets
Above average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
10.6%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$13,910
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 75% of credit unions.

Heritage South Credit Union holds a total of $94,780,000 in loans and leases, which is about $13,910 per member on average.

Savings interest rate Share
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0.20%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Heritage South Credit Union pays 0.20%.

Loan rates Share
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10.32%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
14.67%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
2.84%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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4.81%
New car loan rate
Compared to 4.0% nationally
6.69%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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4.98%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
5.05%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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Similar Credit Unions to Heritage South Credit Union

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Heritage South Credit Union: 280 Office
Credit Union Branch: 60 Gene E. Stewart Boulevard
Sylacauga, Alabama 35151 ATM Available
Heritage South Credit Union: Childersburg
Credit Union Branch: 14 Faye S. Perry Drive
Childersburg, Alabama 35044 ATM Available
Heritage South Credit Union: Alex City Branch
Credit Union Branch: 3553 US Highway 280
Alexander City, Alabama 35010 ATM Available
Heritage South Credit Union: Broadway Branch ATM
Credit Union ATM: 901 North Broadway Avenue
Sylacauga, Alabama 35150
Heritage South Credit Union: Moody Branch
Credit Union Branch: 2825 Moody Parkway
Moody, Alabama 35004 ATM Available
Heritage South Credit Union: Broadway Branch
Credit Union Branch: 901 North Broadway Avenue
Sylacauga, Alabama 35150 ATM Available
Affinity Credit Union: Raritan Valley Cc ATM
Credit Union ATM: 2825 Moody Parkway
Moody, Alabama 35004
American Airlines Credit Union: Aafcu - Phl ATM
Credit Union ATM: 14 Faye S. Perry Drive
Childersburg, Alabama 35044
American Airlines Credit Union: Aafcu-Clt ATM
Credit Union ATM: 3553 US Highway 280
Alexander City, Alabama 35010
Heritage South Credit Union: 280 Office ATM
Credit Union ATM: 60 Gene E. Stewart Boulevard
Sylacauga, Alabama 35151