Heritage South Community Credit Union

Overview / Commentary
763 N Main St
Shelbyville, TN 37160

Heritage South Community Credit Union is headquartered in Shelbyville and is the 22nd largest credit union in the state of Tennessee. It is also the 985th largest credit union in the nation. It was established in 1957 and as of March of 2021, it had grown to 79 employees and 29,032 members at 5 locations. Heritage South Community Credit Union has an A+ health rating.

Field of Membership Restrictions

Heritage South Community Credit Union of Tennessee is open to the residents, church members, registered students, and the people that maintain employment within these qualified counties: Bedford, Rutherford, and Marshall along with the family members of current credit union members.
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Reviews (1)

Heritage South - Great benefits for customers

Posted by: |

I bank with this establishment and in general, I really enjoy the overall experience with them. I bank with two branches, depending on which city I am in at the time. I will say that the branch is Shelbvyille, TN offers a much better customer service than the Lewisburg,TN branch. Which is why I try my best to go to Shelbyville if I need anything different than normal deposits, withdrawals etc. The manager at the Lewisburg branch is not friendly and will cause undue stress to customers, or in my experience she did. I had a check that I had received from an accredited business and wanted to deposit the majority and withdrawal a small amount, the manager wouldn't do it, without a 7 to 10 day hold. This has never been a problem when I went to the Shelbyville branch. I ended up taking it to that branch and it was immediately available for use, which has always been the case before. This was not the only time I had an issue with the Lewisburg branch, and the workers aren't nearly as friendly as the ones at the other branch. As far as the services they offer, I think they offer better benefits than other banking establishments.

Checking is free

Money is available for use immediately after deposit, regardless of the time it is deposited

There is no charge for ATM use at other locations, other than the mandatory charge of the ATM in use

Fees for services such as overdraft fees, return checks, money orders etc.. are low


Health Grade Components

NCUA #67748
Year Chartered1957
Primary Regulator
Profit Margin
Return on Assets - YTD1.37%
Return on Equity - YTD9.95%
Annual Interest Income$3.0MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$288.9MM$245.3MM
LoansQ1 2021vs Q1 2020$184.9MM$183.6MM
DepositsQ1 2021vs Q1 2020$249.0MM$208.0MM
Equity CapitalQ1 2021vs Q1 2020$38.9MM$36.2MM
Loan Loss AllowanceQ1 2021vs Q1 2020$3.6MM$3.3MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$1.3MM$2.4MM
Real Estate OwnedQ1 2021vs Q1 2020$0$420.00K
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Always verify rates and promotions with the bank or credit union. We are not Heritage South Community Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Heritage South Community Credit Union Savings Account Rates

0.25%--IRA Accumulation Account
0.15%--Special Club
0.15%$5-Share (Savings)
0.15%--Christmas Club
0.15%--RoundUP Club

Heritage South Community Credit Union Money Market Rates

0.45%*$200k*- Gold Share Money Market Account
OTHER TIERS: 0.25% $2.5k - $50k | 0.35% $50k - $200k

Heritage South Community Credit Union Checking Account Rates

0.10%*$5k*- Share Draft (Checking)
OTHER TIERS: 0.05% $1k - $5k

Heritage South Community Credit Union CD Rates

3.00%*$100*$500Happy Birthday Money Certificate
OTHER TIERS: 0.55% $500+
0.90%$100-5 Year Share Certificate
0.75%$100-3 Year Share Certificate
0.65%$100-2 Year Share Certificate
0.55%$100-1 Year Share Certificate
0.45%$1k-6 Month Share Certificate

Heritage South Community Credit Union IRA Rates

0.90%$100-5 Year IRA Certificate
0.75%$100-3 Year IRA Certificate
0.65%$100-2 Year IRA Certificate
0.55%$100-1 Year IRA Certificate
0.45%$1k-6 Month IRA Certificate

Heritage South Community Credit Union Locations
Branch Office763 N Main StShelbyville, TN 37160-2846
Branch Office600 E Church StLewisburg, TN 37091-2852
Branch Office839 W College StMurfreesboro, TN 37129-2718
Branch Office1115 Mercury BlvdMurfreesboro, TN 37130
Branch Office941 Sgt Asbury Hawn WaySmyrna, TN 37167-3441

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