Heritage Trust Federal Credit Union

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A short history of Heritage Trust FCU

Since its inception in 1955 the Heritage Trust Federal Credit Union has been serving its members in the CHARLESTON, South Carolina area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by James McDaniel, the Heritage Trust FCU has grown its membership to over 47,487 with assets of more than $589,873,287. They have a main office and 14 branch offices. Please see the credit unions website or contact them by phone at (843) 832-2600 or email them at heritage@htfcu.org to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in CHARLESTON, SC.

General Information For Heritage Trust FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 9986
Address PO BOX 118000 
City CHARLESTON 
State South Carolina 
Zip-Code 29423
Phone Number (843) 832-2600
Fax Number (843) 832-2649
Email Address: heritage@htfcu.org
CEO/President James McDaniel
Members 47,487 
Full-Time Employees 191 
Part-Time Employees
Number of Branch Offices 14 
Total Assets 589,873,287 
Website http://www.htfcu.org 

Compare Heritage Trust Federal Credit Union To Other Local Credit Unions


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Branch Name
Address
Zip Code
Phone Number
ATM Access
Distance (Miles)
C O CU CO FEDERAL CREDIT UNION 117 SPRING ST 29403 (843) 722-7656 No 1.39
Charleston County Teachers CU Charleston County Teachers' Federal Credit Union 4 Carriage Ln Ste 401 29417 (843) 556-8698 No 4.06
Latitude 32 CU West Ashley Branch 1845 Sam Rittenberg Blvd 29407 (843) 556-4809 No 5.37
Cpm CU Summerville 165 Brighton Park Blvd 29405 (800) 255-1513 No 7.87
South Carolina CU Shipyard 1900 McMillan Ave 29419 (843) 797-8300 No 10.72

Heritage Trust Federal Credit Union Financial Performance Charts


Performance Charts

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Financial Data


Heritage Trust Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 11.90 2.83 4.95 4.04 5.85
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 406 124 319 144 326
Rank Among All South Carolina Credit Unions 21 13 22 12 23

Heritage Trust Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.10 0.10 0.36 0.50 0.45
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 116 129 87 264 236
Rank Among All South Carolina Credit Unions 6 9 8 19 15
Heritage Trust Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 11.9004,8219,217,906
All Other Unsecured Loans/Lines of Credit 10.5104,59811,418,982
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.8301,29229,898,118
Used Vehicle Loans 4.9506,77693,524,378
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.0401,013128,381,536
Total Other Real Estate Loans/Lines of Credit 5.8501,49464,953,469
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.6703,74949,899,666
TOTAL LOANS & LEASES 23,743387,294,055

Heritage Trust Federal Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 37360,292,488459,627,605
    b. 15 Years or less 13312,223,559183,089,671
Balloon/Hybrid
    a. > 15 years 217,432,62552,287,600
    b. 15 Years or less 13424,966,644347,876,150
Other Fixed Rate 35223,466,220473,652,948
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000

OTHER REAL ESTATE

Closed-End Fixed Rate 67038,710,458575,582,054
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 82426,243,011826,021,044
Open-End Fixed Rate 0000
TOTALS 2,507193,335,00528838,137,072

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans 9416,611,2696,911,150
Interest Only & Payment Option Other RE/LOC Loans 684,050,62885,637
REVERSE MORTGAGES
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Heritage Trust Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing Yes
Money Orders No
No Surcharge ATMs No
Home Banking Via Internet Website Yes