Heritage South Credit Union

Call Center: 256-245-4776
Voice Response: 256-249-8318

Rates

updated October 1, 2013

** rates are subject to change without notice, certain rules and restrictions apply
all accounts are insured by NCUA and American Share Insurance



TermRate (%)Max LTVIndex per Product
30 Year 5/5
Index:60 day Freddie Mac rounded to the nearest 1/4%
4.25%
5.00%
5.50%
90%: A/B Paper
95%: A/B Paper
85% C/D Paper
Index Rate
Index + 75 basis points
Index + 120 basis points
15 Year 5/5
Index:60 day Freddie Mac - 25 basis points
4.00%
4.75%
5.25%
90%: A/B Paper
95%: A/B Paper
85% C/D Paper
Index Rate
Index + 75 basis points
Index + 120 basis points
15 Year Fixed
Index:60 day Freddie Mac + 75 basis points
4.50%
4.75%
5.00%
90%: A/B Paper
95%: A/B Paper
85% C/D Paper
Index Rate
Index + 75 basis points
Index + 120 basis points
HELOC
Variable Rate Adjusted Annually
5.00%
5.00%
5.00%
A Paper
B Paper
(80% max) C Paper
Prime Rate
Prime Rate plus One
Prime Rate plus Two
Floor Rate: 5.00%
Express Equity Fixed5.50%> 700 Beacon ScorePrime Rate +50 basis points
Floor Rate: 5.50%
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ROUTING NUMBER: 262277118

This credit union is federally insured by the National Credit Union Administration.
Additional insurance coverage provided by Excess Share Insurance Corporation.
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