Heritage South Credit Union
Verified rate book
Current Heritage South Credit Union rates
34 published offers verified as of August 4, 2026.
Mortgage rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Up to 95%other | 5.250% APR | 5.250% | — | Standard |
| Mortgage Loanother | 5.250% APR | 5.250% | — | Standard |
Auto & vehicle rates
8 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| New Autos, Vans, Trucksauto_new | 4.250% APR | 4.250% | new | Standard |
| Used Autos, Vans, Trucksauto_used | 4.500% APR | 4.500% | used | Standard |
| New Boat Loanboat_new | 5.500% APR | 5.500% | new | Standard |
| New RV's, and Motorcyclesrv_new | 5.750% APR | 5.750% | new | Standard |
| Used RV's, and Motorcyclesrv_used | 6.250% APR | 6.250% | used | Standard |
| Used Boat Loanboat_used | 6.750% APR | 6.750% | used | Standard |
| New PWC, ATV, Tractorsboat_new | 6.950% APR | 6.950% | new | Standard |
| Used PWC, ATV, Tractorsboat_used | 7.950% APR | 7.950% | used | Standard |
Personal loan rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Up to 60-Month Unsecured Personal Loanpersonal_unsecured_60mo | 8.900% APR | 8.900% | 60 mo | Standard |
Credit card rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Platinum Credit Cardcredit_card_platinum | 9.900% APR | 9.900% | — | Standard |
| VISA Classic Pluscredit_card | 12.900% APR | 12.900% | — | Standard |
| VISA Classiccredit_card | 14.900% APR | 14.900% | — | Standard |
| Credit-Builder VISAcredit_card | 19.900% APR | 19.900% | — | Standard |
Savings & CD rates
19 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Regular Shares (Savings)savings | 0.10% APY | 0.10% | — | Standard |
| Individual Retirement Accountira | 0.30% APY | 0.30% | — | Standard |
| Money Market ($2,500–$4,999)money_market | 0.30% APY | 0.30% | — | Standard |
| Money Market ($5,000–$10,000)money_market | 0.50% APY | 0.50% | — | Standard |
| Money Market ($10,001–$25,000)money_market | 0.60% APY | 0.60% | — | Standard |
| Money Market ($25,000+)money_market | 0.80% APY | 0.80% | — | Standard |
| 48-Month Certificatecd_48mo | 2.78% APY | 2.78% | 48 mo | Standard |
| 36-Month Certificatecd_36mo | 2.78% APY | 2.78% | 36 mo | Standard |
| 48 Month CD w/Direct Deposit & Checkingcd_48mo | 2.94% APY | 2.94% | 48 mo | Standard |
| 36 Month CD w/Direct Deposit & Checkingcd_36mo | 2.94% APY | 2.94% | 36 mo | Standard |
| Premium Rewards Checking**savings | 3.00% APY | 3.00% | — | Standard |
| 24-Month Certificatecd_24mo | 3.04% APY | 3.04% | 24 mo | Standard |
| 24 Month CD w/Direct Deposit & Checkingcd_24mo | 3.19% APY | 3.19% | 24 mo | Standard |
| 18-Month Certificatecd_18mo | 3.30% APY | 3.30% | 18 mo | Standard |
| 18 Month CD w/Direct Deposit & Checkingcd_18mo | 3.45% APY | 3.45% | 18 mo | Standard |
| 12-Month Certificatecd_12mo | 3.56% APY | 3.50% | 12 mo | Standard |
| 12 Month CD w/Direct Deposit & Checkingcd_12mo | 3.71% APY | 3.71% | 12 mo | Standard |
| 6-Month Certificatecd_6mo | 3.81% APY | 3.81% | 6 mo | Standard |
| 6 Month CD w/Direct Deposit & Checkingcd_6mo | 3.97% APY | 3.97% | 6 mo | Standard |
As of August 4, 2026, Heritage South Credit Union offers mortgage rates from 5.25% APR. Vehicle loans available from 4.25% APR. Personal loan rates from 8.9% APR. Credit card rates from 9.9% APR. Savings and certificate yields up to 3.97% APY.
Source: RateAPI.dev, verified from Heritage South Credit Union's official website
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About Heritage South Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 15.4K
- Assets
- $189.5M
- Founded
- 1937
- Locations reported
- 7
- NCUA charter
- 68586
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Online membership application
- Online loan application
- Electronic statements
- Mobile check deposit
- Financial education
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Heritage South Credit Union
Membership eligibility from Heritage South Credit Union's own published criteria. How we verify this.
Community charter: live/work in Talladega, Jefferson, Shelby +11 more
- LocationTalladega, Jefferson, Shelby, Coosa, Tallapoosa, Elmore, Chambers, Randolph, Chilton, Calhoun, Clay, Cleburne, St. Clair, Lee
Verified from Heritage South Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Heritage South Credit Union?
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Frequently Asked Questions
What rates does Heritage South Credit Union offer?
Heritage South Credit Union currently offers mortgage, vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Heritage South Credit Union rates updated?
RateAPI verifies Heritage South Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Heritage South Credit Union's rate data?
Rate data is collected directly from Heritage South Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Heritage South Credit Union's mortgage rate?
As of August 4, 2026, Heritage South Credit Union offers mortgage rates from 5.25% APR.
What are Heritage South Credit Union's auto, rv & boat loan rates?
As of August 4, 2026, Heritage South Credit Union offers vehicle loans from 4.25% APR.
What is Heritage South Credit Union's personal loan rate?
As of August 4, 2026, Heritage South Credit Union offers personal loans from 8.9% APR.
What is Heritage South Credit Union's best CD rate?
As of August 4, 2026, Heritage South Credit Union offers savings and certificate (CD) yields up to 3.97% APY.
Related Rate Data
Compare Heritage South Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# Get rates for Heritage South Credit Union
curl "https://api.rateapi.dev/credit-unions/alabama/heritage-south" \
-H "Authorization: Bearer YOUR_API_KEY"