Overview / Commentary
931-680-1400
763 N Main St
Shelbyville, TN 37160-2846

Heritage South Community Credit Union is headquartered in Shelbyville and is the 23rd largest credit union in the state of Tennessee. It is also the 1,038th largest credit union in the nation. It was established in 1957 and as of June of 2018, it had grown to 79 employees and 24,960 members at 5 locations. Heritage South Community Credit Union's money market rates are 5X the national average, and it 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.
See current membership details

Reviews (1)

Heritage South - Great benefits for customers

Posted by: JLW | Nov 14, 2014

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

Health Grade Components

Overall
NCUA #67748
Year Chartered1957
Employees79
Primary Regulator
Profit Margin
Return on Assets - YTD1.55%
Return on Equity - YTD10.36%
Annual Interest Income$5.8MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$207.8MM$190.1MM
LoansQ2 2018vs Q2 2017$171.3MM$147.7MM
DepositsQ2 2018vs Q2 2017$174.6MM$160.0MM
Equity CapitalQ2 2018vs Q2 2017$31.0MM$27.9MM
Loan Loss AllowanceQ2 2018vs Q2 2017$3.3MM$3.3MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$1.3MM$2.3MM
Real Estate OwnedQ2 2018vs Q2 2017$428.00K$0
Rates
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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

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

Heritage South Community Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*$200k*- Gold Share Money Market Account
OTHER TIERS: 0.30% $2.5k - $10k | 0.45% $10k - $50k | 0.60% $50k - $100k | 1.00% $100k - $200k

Heritage South Community Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$5k*- Share Draft (Checking)
OTHER TIERS: 0.05% $1k - $5k

Heritage South Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.88%$100k-35 Month Bump Share Certificate
2.78%$100k-23 Month Bump Share Certificate
2.52%$100-5 Year Share Certificate
2.32%$100k-11 Month Bump Share Certificate
2.27%$100-3 Year Share Certificate
2.02%$100-2 Year Share Certificate
1.51%$100-1 Year Share Certificate
1.25%$1k-6 Month Share Certificate

Heritage South Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.88%$100k-35 Month Bump IRA Certificate
2.78%$100k-23 Month Bump IRA Certificate
2.52%$100-5 Year IRA Certificate
2.32%$100k-11 Month Bump IRA Certificate
2.27%$100-3 Year IRA Certificate
2.02%$100-2 Year IRA Certificate
1.51%$100-1 Year IRA Certificate
1.25%$1k-6 Month IRA Certificate
Locations


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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