Credit union · NCUA insured
Heritage South Credit Union Savings Rates
Heritage South Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Heritage South Credit Union’s savings 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
0.50%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $50
Money Market Account
Top rate
FirstBank
3.40%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $340
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Heritage South Credit Union savings score
78
Savings score
Higher than 46% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.80%
- QualifiedQualified0.50%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.50%APY
Minimum opening deposit of $2,500. Interest earned is dependent on the balance in the account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $4,999 | 0.30% | — |
| $5,000 – $10,000 | 0.50% | $50 |
| $10,001 – $25,000 | 0.60% | — |
| $25,000 and up | 0.80% | — |
Regular Shares (Savings)
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Special-purpose accounts
Individual Retirement Accounts
0.30%APY
Available as Traditional or Roth IRA savings accounts.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.30% | $30 |
Christmas Club
0.10%APY
Funds are automatically dispersed on November 1st of each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFunds automatically dispersed on November 1st of each year into checking or primary savings.Any balance | 0.10% | $10 | Funds automatically dispersed on November 1st of each year into checking or primary savings. |
Vacation Club
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Who can join Heritage South Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.