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Heritage South Community Credit Union

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Heritage South Community Credit Union Rates & Review June 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 25, 2026

You can compare Heritage South Community Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.00%, 6-month share certificate rates at 2.02% and 3-month share certificate rates at 2.78%. Savings rates are at 0.50% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 5.93%. All these rates can be compared to Heritage South Community Credit Union rates. 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 1.52%. Rates were last updated on 06/25/2026.

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.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.52%

Excellent Lower than avg

Heritage South Community Credit Union
Shelbyville

763 N Main St
Shelbyville, TN 37160 2846

https://www.heritagesouth.org

Current Rate Availability

We do not have Heritage South Community Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates 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 84

Part-Time Employees 3

Branch Locations 6

ATM Locations 5

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.52%

Return on Assets (ROA)

1.1043%

Return on Equity (ROE)

6.9421%

Non-Performing Loans Ratio (NPL)

0.36%

Total Assets

361,698,594

Total Amount of Shares and Deposits

289,196,336

Total Shares and Deposits < 1 Year

278,725,819

Total Shares and Deposits 1 3 Years

7,530,036

Total Shares and Deposits > 3 Years

2,940,481

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

19,238,806

Total Uninsured Shares and Deposits > $250K (F+J)

19,238,806

Total Insured Shares and Deposits > $250K (item 17 less item K)

269,957,530

Total Interest Expense (Sum of items 6 8)

4,200,570

Share Certificates

1,697

Number of Accounts for Share Drafts

20,337

IRA KEOGH Accounts

573

Number of Accounts for Regular Shares

40,667

Money Market Shares

907

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

28,838,755

Total Liabilities

304,366,850

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Heritage South Community Credit Union earned the Verified Strong badge

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Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Heritage South Community Credit Union

How 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.