HERITAGE SOUTH CREDIT UNION

Welcome to Heritage South, your trusted financial partner located at 60 Gene E Stewart Blvd, Sylacauga, AL 35151. Since our establishment in 1937, we have proudly served our community, building lasting relationships with our members. With a strong membership base of 15,673 and total assets exceeding $184,572,710, we are dedicated to providing the financial tools you need to succeed. At Heritage South, we understand that financial needs vary from person to person. That's why we offer a comprehensive range of services from personal banking and auto loans to mortgage financing and business loans. Our commitment to quality service is reflected in our total deposits of $16,066,096 and our robust loan portfolio comprising over 9,018 loans and leases. While you can visit us directly at our branch for friendly assistance, if you need to send any official correspondence, please use our mailing address: P.O. Box 128, Sylacauga, AL 35150. Led by our CEO Jamie Payton and Board President Jim Patton, our team of 68 dedicated employees is here to ensure that your experience with us is smooth and rewarding. Whether you are looking for guidance on saving for a home or seeking support for your business endeavors, we are here every step of the way. We invite you to explore how we can help you achieve your financial goals. For more information or to speak with one of our representatives, please call us at 256-245-4776 or visit our website at myhscu.com. Together, let's build a brighter financial future!

Joining the Heritage South community means becoming part of a supportive family that truly cares about your financial well-being. To become a member of Heritage South, you'll find that eligibility is inclusive and welcoming. Generally, individuals who live, work, worship, or attend school in the areas we serve are eligible to join. This means if you're nearby and share our values, we invite you to take this step toward better banking! For more specific details on what it takes to become a member, you can check out our eligibility criteria at this link. Getting started is straightforward! Simply visit us at our branch located at 60 Gene E Stewart Blvd, Sylacauga, AL 35151, or give us a call at 256-245-4776 for any questions. When you're ready to open an account, you can easily start the process online by following the instructions at our account opening page. We look forward to welcoming you into the Heritage South family!

At Heritage South, we understand that managing your finances should be as convenient and secure as possible. That's why we've invested in a range of digital and online banking services designed to give you control over your money, anytime and anywhere. You can easily access your accounts through our online banking platform by visiting https://www.myhscu.com/ . Whether you want to check your balance, transfer funds, or pay bills, our 24/7 online banking services make it simple. Plus, with our mobile application available for download, you can manage your finances right from your smartphone. One of the standout features is the ability to send money directly to friends and family through person-to-person transfers. It's quick and hassle-free perfect for splitting a dinner bill or sending a gift. For added convenience, you can also opt for e-statements, which provide a secure way to receive your account statements electronically instead of waiting for them in the mail. And yes, we offer electronic signature authorization, making it easier than ever to complete transactions without needing to visit a branch. We prioritize your security while ensuring that our services are user-friendly. Our digital banking tools are designed with you in mind helping you stay connected with your finances at all times. Need to make a payment on the go? No problem! Our mobile payments feature allows you to pay merchants quickly without having to carry cash or cards. In summary, Heritage South's digital and online banking services are here to simplify your financial life. With easy access via our website and mobile app, robust security measures, and convenient features like e-statements and person-to-person transfers, managing your money has never been easier!

At Heritage South, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our financial strength, which reflects our commitment to providing reliable and effective services to everyone we serve. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. 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. 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. 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. 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. Our operational efficiency is reflected in our net income of $377,213, enabling us to continue offering competitive loan rates and solid financial products for our members. 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 and committed team. Total Share Accounts: 30,587 shows a strong and growing member base that trusts us with their finances. 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 60 Gene E Stewart Blvd Sylacauga Al 35151 or call 256-245-4776 to learn more about how we can help you achieve your financial goals.