Heritage Trust Federal Credit Union: Your Trusted Partner for Financial Services

Heritage Trust Federal Credit Union is a not-for-profit financial cooperative that was established in 1955. The credit union is headquartered in Summerville, South Carolina, and has been providing a full range of financial services to its members for more than 65 years. In this article, we will take a closer look at Heritage Trust Federal Credit Union and explore its various offerings, benefits, and how it stands out from its competitors.

heritage trust federal credit union


Who Can Join Heritage Trust Federal Credit Union?

Heritage Trust Federal Credit Union is a member-owned financial cooperative. To become a member, you must meet the eligibility criteria set by the credit union. Membership is open to anyone who lives, works, worships, attends school, or volunteers in the following counties in South Carolina: Berkeley, Charleston, Colleton, Dorchester, or Georgetown. Immediate family members of current members are also eligible to join Heritage Trust.

What Services Does Heritage Trust Federal Credit Union Offer?

Heritage Trust Federal Credit Union offers a wide range of financial services to its members, including savings accounts, checking accounts, loans, credit cards, and investment services. Let’s take a closer look at some of these services:

Savings Accounts: Heritage Trust offers several types of savings accounts, including regular savings, Christmas club accounts, and youth savings accounts. The credit union’s savings accounts earn competitive dividends and are insured up to $250,000 by the National Credit Union Administration (NCUA).

Checking Accounts: Heritage Trust offers several checking account options to meet the needs of its members, including free checking, senior checking, and student checking accounts. The credit union’s checking accounts come with no monthly service fees and offer unlimited check writing.

Loans: Heritage Trust offers a variety of loan products, including auto loans, personal loans, home equity loans, and mortgage loans. The credit union’s loan rates are competitive, and members can apply for loans online or in person.

Credit Cards: Heritage Trust offers a Visa credit card with no annual fees, competitive interest rates, and rewards points for every dollar spent. The credit union’s credit card also comes with fraud protection and 24/7 customer service.

Investment Services: Heritage Trust offers investment services through its partnership with CUNA Brokerage Services, Inc. Members can receive professional investment advice, manage their investments online, and access a wide range of investment products, including stocks, bonds, and mutual funds.

Why Choose Heritage Trust Federal Credit Union?

Heritage Trust Federal Credit Union is dedicated to providing its members with the best possible financial services and benefits. Here are some of the reasons why you should choose Heritage Trust as your financial partner:

Competitive Rates: Heritage Trust offers competitive rates on its loans, savings accounts, and credit cards. Members can save money on interest and earn more on their savings with Heritage Trust.

Personalized Service: Heritage Trust’s friendly and knowledgeable staff is dedicated to providing personalized service to each member. Whether you need help with a loan application or have a question about your account, Heritage Trust’s staff is always available to assist you.

Convenient Access: Heritage Trust has a network of branches and ATMs throughout its service area, making it easy for members to access their accounts and conduct transactions. Members can also use online banking and mobile banking to manage their accounts from anywhere.

Community Involvement: Heritage Trust is committed to giving back to the communities it serves. The credit union supports local charities and organizations through donations, sponsorships, and volunteer work.


Heritage Trust Federal Credit Union is a trusted and reliable financial partner for those looking for personalized service, competitive rates, and convenient access to financial services. With its commitment to community involvement and dedication to providing its members with the best possible financial services, Heritage Trust is a great choice for those looking for a credit union that puts its members first. Whether you’re looking for a savings account, a loan, a credit card, or investment services, Heritage Trust has you covered. Consider becoming a member of Heritage Trust Federal Credit Union and experience the benefits of membership for yourself.


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