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 Heritage South Community Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
Heritage South Community Credit Union's 1 Year One Year CD rates are at 3.65%, 12 Month One Year CD rates are at 3.65%, 6 Month Six Month CD rates are at 3.43%, 3 Year Three Years CD rates are at 3.39%, 36 Month Three Years CD rates are at 3.39%. Heritage South Community Credit Union's savings rates are at 0.25%. Heritage South Community Credit Union's money market rates are at 0.85%. Heritage South Community Credit Union's Personal Loan Rates are as low as 10.45%. Heritage South Community Credit Union's Credit Card Rates are at 8.90%. MonitorBankRates evaluates the financial stability of Heritage South Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.80%. Rates last updated and verified on 09/22/2026. Heritage South Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Heritage South Community Credit Union? Share your experience about Heritage South Community Credit Union by leaving a review below, or read customer reviews before you decide to use Heritage South Community Credit Union. Heritage South Community Credit Union
Shelbyville 763 N Main St
https://www.heritagesouth.org Shelbyville, TN 37160-2846 
Heritage South Community Credit Union CD Rates
Heritage South Community Credit Union Savings Rates
Heritage South Community Credit Union Money Market Rates
Heritage South Community Credit Union Checking Rates
Heritage South Community Credit Union Credit Card Rates
Heritage South Community Credit Union Personal Loan Rates
Heritage South Community Credit Union Other Rates
Financial Health HistoryHeritage South Community Credit Union’s Texas Ratio stayed near 2.28% in Q2 2023 to 1.80% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Heritage South Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Heritage South Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Heritage South Community Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Heritage South Community Credit Union
Website
https://www.heritagesouth.org
Address
763 N Main St,
Shelbyville, TN 37160-2846
Phone
931-680-1400
Fax
931-685-4233
President
Ken Malone
CEO
Laura Parham
Full-Time Employees
85
Part-Time Employees
4
Branch Locations
6
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.80%
Return on Assets (ROA)
0.5045%
Return on Equity (ROE)
3.0273%
Non-Performing Loans Ratio (NPL)
0.43%
Total Assets
359,911,178
Total Amount of Shares and Deposits
297,824,105
Total Shares and Deposits < 1 Year
287,865,314
Total Shares and Deposits 1 3 Years
7,051,747
Total Shares and Deposits > 3 Years
2,907,044
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
18,644,884
Total Uninsured Shares and Deposits > $250K (F+J)
18,644,884
Total Insured Shares and Deposits > $250K (item 17 less item K)
279,179,221
Total Interest Expense (Sum of items 6 8)
1,435,494
Share Certificates
1,832
Number of Accounts for Share Drafts
20,650
IRA KEOGH Accounts
576
Number of Accounts for Regular Shares
41,692
Money Market Shares
913
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
19,143,934
Total Liabilities
300,176,211
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Add Your Rating and Review for Heritage South Community Credit Union
Frequently Asked Questions About Heritage South Community Credit UnionHow many branches does Heritage South Community Credit Union operate?Heritage South Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Heritage South Community Credit Union?Yes, to access services at Heritage South Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Heritage South Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Heritage South Community Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Heritage South Community Credit Union offer online and mobile banking?Most modern institutions like Heritage South Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.heritagesouth.org. Current Heritage South Community Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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