Credit union · NCUA insured
Heritage South Credit Union
A $189.5M credit union headquartered in Sylacauga, AL, with 15,428 members and 5 branches in Alabama. Best rates: CDs 3.97% and savings 0.50% APY.
Heritage South Credit Union Carrot Score
72
Carrot Score
Higher than 32% of U.S. banks and credit unions
#8 of 9 in Talladega, AL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Heritage South Credit Union
- Headquarters
- 60 Gene E Stewart Blvd, Sylacauga, AL 35151
- NCUA charter
- 68586
Branches
5 branches in Alabama
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Alabama
5 branches
Talladega area · 3
- 280 OfficeMain office60 Gene E Stewart Blvd, Sylacauga, AL 35151Directions
- Childersburg14 Faye S Perry drive, Childersburg, AL 35044Directions
- Broadway Branch901 N Broadway Ave, Sylacauga, AL 35150Directions
Alexander City area · 1
- Alex City Branch3553 US Hwy 280, Alexander City, AL 35010Directions
Birmingham area · 1
- Moody Branch2825 Moody Pkwy, Moody, AL 35004Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.18% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.88% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.68% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $80 | $76 | — |
- CapitalNet worth ratio10.18%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.88%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.68%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$80Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Heritage South Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.