Heritage Trust Federal Credit Union

Rated star_ratedstar_ratedstar_ratedstar_rated_halfstar_normal by Credit Guide
Review based on 12 criteria Rating: 3.5 out of 5

PO Box 118000, Charleston, SC 29423

Website

(843) 832-2600

Data Source: NCUA, December 31, 2016


Heritage Trust Federal Credit Union was founded in 1955. Headquartered in Charleston, South Carolina, Heritage Trust Federal Credit Union is a federally chartered and federally insured credit union, operating within the regulation of the National Credit Union Association (NCUA) and being insured through the National Credit Union Share Insurance Fund (NCUSIF). Heritage Trust Federal Credit Union is also a member of the Federal Home Loan Bank (FHLB), which allows a credit union to access low cost secured borrowings or advances and prlides its members with financial products and services that assist and enhance the financing of housing and community lending.

As of December 31, 2016, Heritage Trust Federal Credit Union services 45,368 members through its 14 offices and branches and 178 full-time and 6 part-time employees. It has $565,518,700 of total assets and $54,533,397 of net worth. Based on its asset size and net worth ratio, Heritage Trust Federal Credit Union is classified as a Well Capitalized large credit union.

Heritage Trust Federal Credit Union offers a number of deposit and loan products to its members. To find out how competitive the offers are, please go to the Interest Rates page. Heritage Trust Federal Credit Union also provides an array of services to its members and local communities. Heritage Trust Federal Credit Union plans to extend its services by adding more branches or service centers in the next 12 month. To find out more, please go to the Services page.

The following two tables list the deplitory and loan interest rates of Heritage Trust Federal Credit Union’s popular offerings. You can find out how competitive the offerings are by comparing them to the median interest rates offered by credit unions in South Carolina and in the nation.

Major Deplitory Accounts and Interest Rates (%)

Interest Rate
Median of South Carolina
Median of USA
Checking
0.1000
0.0500
0.0000
Savings
0.1000
0.1000
0.1200
Money Market
0.2250
0.2000
0.2500
Certificate Deplit
0.3000
0.4000
0.5800
IRA
0.3690
0.4000
0.5000

Major Loan Accounts and Interest Rates (%)

Interest Rate
Median Rates of South Carolina
National Median Rates
Credit Cards
11.9000
9.9000
9.9900
Unsecured Line of Credits
10.6000
13.0600
10.9500
Short-term Small Amount
n/a
28.0000
25.0000
Student Loans
n/a
8.3500
6.0200
New Car Loans
2.5500
3.9000
3.3300
Used Car Loans
4.9200
5.2000
4.5000
1st Mortgage Real Estates
4.4000
4.3800
4.2500
Other Real Estates
5.9000
4.9950
4.7000

Heritage Trust Federal Credit Union prlides a number of ways to access its services. In addition to its office and branches, a member can perform banking through Internet, phones, ATMs, and mobile devices. The table below lists the electronic banking services prlided by Heritage Trust Federal Credit Union.

Electronic Banking Service Offerings

Membership Application
Yes
Yes
Share Account Transfers
Yes
New Loan Application
Yes
Share Draft Orders
Yes
Yes
New Share Account
Yes
Bill Payment
Yes
No
e-Statements
Yes
Loan Payments
Yes
No
Account Balance Inquiry
Yes
No
Yes
View Account History
Yes
No

As a community financial institution, Heritage Trust Federal Credit Union actively involves in local communities by prliding services such as financial counseling, financial education, financial literacy workshops.

Community and other Service Offerings

Financial Counselling
Yes
Bilingual Services
Yes
Free Bill Pay
Yes
Financial Education
Yes
In-School Branches
No
Free Tax Preparation Service
Yes
Financial Literacy Workshops
Yes
Student Scholarships
No
Insurance/Investment Sales
Yes
First Time Homebuyer Program
No
Base
2375 White Cir
Charleston Afb, SC 29404-2151
Phone:843-832-2600

Corporate
Main Office

200 Marymeade Dr
Summerville, SC 29483
Phone:843-832-2600

Dorchester
8435 Dorchester Rd
N Charleston, SC 29420
Phone:843-832-2600

Goose Creek
201 Saint James Ave
Goose Creek, SC 29445-2938
Phone:843-832-2600

Goose Creek High School Student Branch
1137 Red Bank Rd
Goose Creek, SC 29445
Phone:843-832-2600

James Island
766 Daniel Ellis Dr
Charleston, SC 29412
Phone:843-832-2600

Moncks Corner
206 E Main St
Moncks Corner, SC 29461-3763
Phone:843-832-2600

Mt Pleasant
847 Coleman Blvd
Mt Pleasant, SC 29464
Phone:843-832-2600

Oakbrook
1905 Old Trolley Rd
Summerville, SC 29485-8206
Phone:843-832-2600

Park West
1129 Park West Blvd
Mt Pleasant, SC 29466-6974
Phone:843-832-2600

Rivers
7550 Rivers Ave
North Charleston, SC 29406-4661
Phone:843-832-2600

Summerville
210 Marymeade Dr
Summerville, SC 29483
Phone:843-832-2600

Summerville High School Student Branch
1101 Boone Hill Rd
Summerville, SC 29483
Phone:843-832-2600

Walterboro
814 N Jefferies Blvd
Walterboro, SC 29488
Phone:843-832-2600

West Ashley
2030 Sam Rittenberg Blvd
Charleston, SC 29407
Phone:843-832-2600

(843) 832-2649

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  1. Credit Guide Staff
    Credit Guide Staff

    Last Updated on May 30, 2017

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