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Back to Sylacauga credit unions

Heritage South

P.O. Box 128, Sylacauga, AL 35150
NCUA Insured4.0 (24 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1937

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

P.O. Box 128

Sylacauga, AL 35150

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(256) 245-4776

Service Area

This credit union is located in Sylacauga and serves members in the AL area. Currently serving 15,490 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.31%

Used Auto Loan

7.42%

Personal Loan

14.46%

Credit Card APR

9.87%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in AL

Lowest rates currently reported by credit unions in AL (NCUA Q4 2025).

North Alabama Papermakers— New Auto Loan

Stevenson, AL

2.36%
Nrs Community Development— Used Auto Loan

Birmingham, AL

2.25%
Baldwin County— Personal Loan

Bay Minette, AL

6.99%
Eco— Credit Card APR

Birmingham, AL

7.90%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(7 total)

Member Reviews

4.0

24 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Judson Wall

Judson Wall

2 years ago

I’ve been a member for over 6 years. I attempted to acquire a loan over the phone with no response to my voicemails for over 2 weeks. Once i was contacted by a loan officer, Keith, I received very terrible service. Needless to say, I will not be banking with this credit union any longer.

Linda Scott

Linda Scott

a year ago

Very friendly, caring, responsible associates with all your needs At heart!

Larry Mcghee

Larry Mcghee

2 years ago

June 8,2023 hours between 3:45 and 4:00 pm drive thru service was horrible waited in line patiently and finally when my turn press the button for service and didn't receive it I got on motorcycle was serve before I was I was there before him 2 minutes before so I press the button again and I was told we be right with you isn't first come first serve or we choose who u to serve smh

Billy Davis

Billy Davis

5 years ago

Very helpful,lost my wallet with I'd and everything else they had made a copy of my driver's license and printed it out for me they replaced my debit card while I was in line . The print out of my driver's license was all I needed to a new one.they went above and beyond the normal of what you get now special thanks to the teller

Erik Fedde

Erik Fedde

3 years ago

The best place for loans, account investment, that I have seen. Staff goes out of their way to understand and help with financial problems. HIGHLY RECOMMENDED!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).