Heritage South Credit Union Sylacauga AL | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Heritage South, your trusted partner in financial growth since 1937! Located at 901 N Broadway Ave, Sylacauga, AL 35150, our Broadway Branch is dedicated to serving the community with a friendly touch and personalized service. With a commitment to our members and a total membership of 15,673, we take pride in being a reliable financial resource for all your needs. At Heritage South, we understand that life can bring various financial challenges and opportunities. That's why we offer a range of services designed to support you every step of the way. From checking and savings accounts to auto loans, mortgage financing, and credit cards with rewards, we aim to provide solutions that help you achieve your goals. With total assets of $184,572,710 and total deposits reaching $16,066,096, you can trust that your finances are in good hands. Our net worth stands strong at $17,577,485, ensuring stability and security for our members. Plus, with over 9,018 loans granted to date, we're here to help you get the funding you need when you need it most. While members can visit us at our branch location for friendly face-to-face service, official correspondence should be sent to our mailing address at P.O. Box 128, Sylacauga, AL 35150. Whether you're walking through our doors or reaching out via phone at 256-245-4776, our team is ready to assist you. Under the leadership of CEO Jamie Payton and Board President Jim Patton, our dedicated staff of 68 employees works tirelessly to ensure that every member feels valued and supported. We're not just about numbers; we're about building relationships and contributing positively to the communities we serve. Join us today and experience the Heritage South difference! Visit us online at myhscu.com or stop by our branch for more information on how we can assist you in achieving your financial dreams. Let's grow together!

Branch History & Mission

At Heritage South, we take pride in our rich history and unwavering commitment to serving our community in Sylacauga, Alabama. Since opening our doors in 1937, we have been dedicated to providing exceptional financial services and fostering a strong sense of community among our members. Located at 901 N Broadway Ave, right in the heart of Sylacauga, our branch has grown alongside the city, continually adapting to meet the needs of our members. Over the years, Heritage South has blossomed into a trusted financial institution with a membership base of over 15,600 individuals. Our total assets now stand at an impressive $184,572,710, reflecting our members' trust and commitment. We understand that financial stability is essential for personal growth and community development, which is why we strive to offer a wide range of products and services tailored to every member's unique needs. Our mission at Heritage South is simple yet profound: to empower our members through accessible financial solutions while actively contributing to the well-being of our community. We believe that everyone deserves the opportunity to thrive financially. Whether it's through checking and savings accounts, auto loans, or business banking services, we are here to support you on your financial journey. While members can visit us at 901 N Broadway Ave for their banking needs, official correspondence should be sent to P.O. Box 128, Sylacauga, AL 35150 if necessary. Our operating hours are designed for your convenience Monday through Wednesday from 8:30 a.m. to 4:30 p.m., and Thursday through Friday until 6:00 p.m. We also offer drive-thru service and ATM availability for quick transactions on the go. In addition to our core services, we prioritize technology and accessibility. With online banking options available and ADA compliance initiatives in place, we ensure that all members can enjoy a seamless banking experience that suits their lifestyle. Heritage South believes in giving back to the community that has supported us for so long. Through partnerships with local organizations and active involvement in community outreach efforts, we aim to make a positive impact beyond just financial transactions. We invite you to join Heritage South today! Experience firsthand how we can help you achieve your financial goals while being part of a community-focused credit union dedicated to making a difference. Visit us online at myhscu.com or call us at 256-245-4776 for more information about membership eligibility or how we can assist you further. Together, let's build a brighter future!

Branch Location & Accessibility

Banking Services Available

As a member of Heritage South, you'll find a range of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. If you're on the go, take advantage of our ATM availability and drive-thru service for quick transactions without leaving your vehicle. Plus, if you're a member of another participating credit union, our shared service center allows for easy deposits and withdrawals.

Convenient Access and Nearby Landmarks

Our branch is conveniently located near popular local landmarks, making it easy for you to drop by while running errands or enjoying a day out in town. Whether you're visiting us after a trip to the local park or heading home from shopping, we're just a short drive away.

Get in Touch!

We invite you to stop by our Broadway Branch anytime or give us a call at 256-245-4776. Our friendly team is here to assist you with all your banking needs! Visit us soon we look forward to serving you!

Operating Hours

At Heritage South, we know that everyone has busy schedules. That's why we offer flexible operating hours: Monday through Wednesday from 8:30 a.m. to 4:30 p.m., and Thursday through Friday from 8:30 a.m. to 6:00 p.m. This way, you can visit us at a time that works best for you.

Parking and Accessibility Features

We offer ample parking right outside the branch for your convenience. Our facility is designed with accessibility in mind; we have ADA-compliant features, including ramps and designated parking spots for those who need them.

Member Eligibility

At Heritage South, we believe that everyone deserves a chance to belong to a supportive community focused on financial well-being. Becoming a member is easy and welcoming! If you live, work, worship, or attend school in Talladega County or surrounding areas, you're already eligible to join us. Even if you have family members who are current members, they can sponsor you as well. We encourage you to check out the detailed eligibility criteria on our website at this link for the most up-to-date information. Once you're ready to take the next step, opening your account is a breeze! Simply visit us at 901 N Broadway Ave, Sylacauga, AL 35150, or give us a call at 256-245-4776. Our friendly team is here to guide you through every step of the process. Join Heritage South today and enjoy benefits like personalized banking solutions and community-focused services designed just for you!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine having a reliable partner that simplifies your payment processes. Our merchant services allow you to accept payments effortlessly, enabling you to focus on what matters most growing your business. From point-of-sale systems to online payment solutions, we offer tools that help streamline operations and enhance customer satisfaction. For businesses located in Sylacauga, AL, visit us at 901 N Broadway Ave Sylacauga Al 35150 or give us a call at (256) 245-4776 to learn how we can support your financial journey. Let's work together to make your business dreams a reality!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $66 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $3,388,090, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Additional Features

We know that banking should be easy and accessible. That's why we have features like basic ATM access for balance checks and withdrawals right at your fingertips. With our commitment to providing excellent service and support, we invite you to visit us at Heritage South in Sylacauga or check out our website at myhscu.com for more information about how we can meet your financial needs. Ready to experience the difference? Reach out today!

Business Banking Services

If you're a business owner, our Business Banking services will support your entrepreneurial journey. From Merchant Services that simplify transactions to Business Loans that fuel growth, we're dedicated to helping your business thrive.

Digital and Convenient Banking

In today's fast-paced world, convenience matters. That's why we offer robust Online & Mobile Banking services that allow you to manage your accounts anytime, anywhere. Whether you're checking balances, transferring funds, or paying bills, it's all just a few clicks away. Need cash quickly? Our branch provides ATM & Cash Withdrawal Services along with basic drive-thru banking for quick deposits and withdrawals. For members of partner credit unions, we offer basic shared branch transactions so they can access their funds seamlessly.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, we've got you covered with our Personal Banking options. Imagine being able to manage your daily expenses effortlessly while saving for future goals. Our accounts come with features that make budgeting simple and effective. If you need a vehicle, our Auto Loans & Vehicle Financing can help you get behind the wheel without breaking the bank. Picture driving off in your new car with an affordable payment plan tailored just for you. We also offer Mortgage Loans & Refinancing, making it easier than ever to purchase your dream home or refinance your existing mortgage to save money. For those unexpected expenses, our Personal Loans & Debt Consolidation options provide the flexibility you need. Whether it's consolidating debt or covering an emergency, we're here to assist you every step of the way. And don't forget about our Credit Cards with Rewards, which can earn you points or cash back on everyday purchases.

Digital & Online Banking

Accessibility and Security

We prioritize your safety while providing these services. Your personal information is protected with top-notch security measures so that you can bank with peace of mind. Whether you're at home or out running errands, our digital banking options ensure that you have access to real-time account management whenever you need it. In today's fast-paced world, having reliable banking tools is essential. At Heritage South, we're committed to helping you manage your money effortlessly through our robust digital banking solutions. Visit us online today at https://www.myhscu.com/ to explore all the ways we can support your financial needs!

Key Services

With our online banking services available at https://www.myhscu.com/, you can check your balances, pay bills, and transfer money with just a few clicks. If you're on the go, our mobile application makes banking even easier. It's user-friendly and gives you access to all the essential features right from your smartphone. Need to send money to a friend? Our person-to-person transfer feature lets you do this quickly and securely. Plus, if you prefer going paperless, you can easily sign up for e-statements, allowing you to keep track of your transactions without cluttering your inbox. And for added security, we offer electronic signature authorization, making it simple and safe to handle important documents online.

Financial Strength

Growing Member Trust

Total Share and Deposit Accounts stand at 30,587, showcasing a strong and growing member base that trusts us with their finances. This trust is what drives us to enhance our services continually. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Heritage South is your trusted partner. Visit us at 901 N Broadway Ave Sylacauga Al 35150 or call 256-245-4776 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Reinvestment for Growth

With $17,043,668 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This approach allows us to maintain an operational efficiency reflected by our net income of $377,213, enabling us to continue offering competitive loan rates and solid financial products for our members.

Secure Savings Options

Members' savings are secured through $57,703,106 in share certificates and $10,476,139 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Foundation

With a net worth of $17,577,485, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.52% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

Our lending capacity supports members' financial goals across various sectors with $2,440 in used auto loans and a total of $131,965,016 in loans and leases. This wide range of offerings ensures that you can find the right financing solutions for your needs. We also take pride in having 60 full-time employees and 8 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Our dedicated staff is here to assist you every step of the way.

Loan Offering

Additional Options

For business owners seeking capital for growth and expansion, our outstanding commercial loans total $3,388,090, providing valuable resources to support your business ambitions. If you're interested in refinancing any of your existing loans or exploring eligibility options for any of our products, feel free to reach out to us. Our friendly team is ready to assist you with tailored solutions that suit your financial needs. For further details on our loan offerings or to start your application process today, please contact us at 256-245-4776 or visit us at our branch located at 901 N Broadway Ave Sylacauga Al 35150. You can also find more information online at Heritage South. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $38,761,453 in used vehicle loans and $13,248,956 in new vehicle loans already helping members get on the road. Whether you're looking for financing for a new or used vehicle, our team is here to assist you every step of the way.

Credit Lines and Unsecured Credit Cards

For those who need extra flexibility in managing their finances, we provide credit lines totaling $51,158,750. We also offer flexible terms on unsecured credit card loans, with a total of $2,769,114 in loans helping members manage their finances effectively. These options give you the ability to cover unexpected expenses without worrying about high interest rates.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $155,215, making it easier for you to secure the home of your dreams or refinance an existing property at favorable terms.

Loan Aggregator

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HERITAGE SOUTH CREDIT UNION - Sylacauga, AL

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