The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 2 points (61 → 63), mostly because the earnings component improved by 22 points.

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size credit unions in Alabama

Yes. Heritage South Credit Union is a federally insured credit union (NCUA charter #68586). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 2.8% of shares and deposits ($4.6M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.18%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Heritage South Credit Union lists 7 offices in 6 cities. Most locations:

• Sylacauga, AL (2)
• Alexander City, AL (1)
• Childersburg, AL (1)
• Eclectic, AL (1)
• Goodwater, AL (1)
• Moody, AL (1)

All branch addresses and map

In 2025, Heritage South Credit Union reported 58 home-loan applications under HMDA (LEI 549300D15L4ETR8E9517): 40 originated ($5,270,000 total), 9 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Heritage South Credit Union

Type

Federally insured state-chartered credit union

NCUA charter #

68586

RSSD ID

56276

Primary regulator

State + NCUA

Established

1937

Headquarters

P.O. Box 128, Sylacauga, AL 35150

Employees

64