Credit union · NCUA insured
Heritage South Credit Union CD Rates
Heritage South Credit Union’s best CD rate is 3.97% APY on a 6-month share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 22, 2026.
How Heritage South Credit Union’s CD rates compare
Compared with banks and credit unions near Talladega, AL, where Heritage South Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Heritage South Credit Union
3.97%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $197
Certificates of Deposit
Top rate
Honda Federal Credit Union
4.60%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $2,522
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Heritage South Credit Union CD score
81
CD score
Higher than 54% of U.S. banks and credit unions
- 3–8 months3–8 mo3.97%
- 9–15 months9–15 mo3.71%
- 16–30 months16–30 mo3.45%
- 31–60 months31–60 mo2.94%
- QualifiedQualified3.97%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Heritage South Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.97%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.81% | $189 |
| 6 monthsWith direct deposit and checking account | 3.97% | $197 |
| 12 months | 3.56% | $356 |
| 12 monthsWith direct deposit and checking account | 3.71% | $371 |
| 18 months | 3.30% | $499 |
| 18 monthsWith direct deposit and checking account | 3.45% | $522 |
| 24 months | 3.04% | $617 |
| 24 monthsWith direct deposit and checking account | 3.19% | $648 |
| 36 months | 2.78% | $857 |
| 36 monthsWith direct deposit and checking account | 2.94% | $908 |
| 48 months | 2.78% | $1,159 |
| 48 monthsWith direct deposit and checking account | 2.94% | $1,229 |
Special-purpose accounts
IRA Certificates
Up to 3.97%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.81% | $189 |
| 6 monthsWith direct deposit and checking account | 3.97% | $197 |
| 12 months | 3.56% | $356 |
| 12 monthsWith direct deposit and checking account | 3.71% | $371 |
| 18 months | 3.30% | $499 |
| 18 monthsWith direct deposit and checking account | 3.45% | $522 |
| 24 months | 3.04% | $617 |
| 24 monthsWith direct deposit and checking account | 3.19% | $648 |
| 36 months | 2.78% | $857 |
| 36 monthsWith direct deposit and checking account | 2.94% | $908 |
| 48 months | 2.78% | $1,159 |
| 48 monthsWith direct deposit and checking account | 2.94% | $1,229 |
Who can join Heritage South Credit Union
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