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Loans & Credit Cards

When you need money fast… Our Rally Loan is here to help!

If you need money in an emergency, we have the solution – a Rally Loan at Heritage South. This loan is designed to help you through a financial challenge and avoid the high rates and fees that payday lenders often charge. You can borrow either $500 or $1,000, depending on your need. You must be a credit union member in good standing for at least 90 days with a direct deposit in order to qualify for a Rally Loan.*

  • Borrow $500 or $1,000 and receive your funds quickly!
  • No interest, only a prepaid finance charge (deducted from the loan proceeds) of $45 for a $500 Rally Loan, or $90 for a $1,000 Rally Loan.
  • Easy Application
  • Apply online, at any branch, or over the phone.

Save Money While You Pay

We want to help you save for future emergencies and break free from the payday lending cycle. When you take out a Rally Loan, your payment will be increased by 10% (or more, if you choose) and that amount will be deposited into a savings account for your future use**.

Want to learn more about our Rally Loan? Give one of our lenders a call today! Or, apply online for a Rally Loan!

* Our Rally Loan is for a total amount of $545 with 12 monthly payments of approximately $56.00***, or $1,090 with 12 monthly payments of approximately $110***. A one-time Pre-paid Finance Charge of $45 for a $500 Rally Loan or $90 for a $1,000 Rally Loan will be added into the loan total (the Effective Annual Percentage Rate may be up to 18% but will not exceed 18%). Certain terms and conditions apply, including a requirement for Direct Deposit. Contact Heritage South Community Credit Union for more information. Membership with Heritage South Community Credit Union is required; click here for member eligibility details. The Rally Loan program may be discontinued at any time without notice.

**Funds in the Rally Savings account will be held until loan is paid in full. If funds must be withdrawn before the loan is paid in full, a $5.00 fee will be accessed for each withdrawal. Rally savings deposit amount may vary based on insurance product selections.

***Payment amount includes savings deposit and payment protection for life, disability, and unemployment.