Welcome to Heritage South Community Credit Union
When you need a way forward, we’re here to help
Heritage South is built on listening first, understanding your needs, and helping you find solutions that fit real life. We’re people helping people, the way banking was meant to be.
Today’s Featured Rates
Our current promotions and offers
Helpful rates designed to make your next move a little easier.
Christmas Loan Special
If you are stressed about finances during the holiday season, your credit union may be able to help. Remember: We Help When Others Won’t!
Learn MoreCredit Requirements Apply
Grow your savings with 3.85% APY
A 12-month Share Certificate gives your money room to grow with a rate you can count on.
Explore Certificates(APY = Annual Percentage Yield)
Real moments, real impact
MISTY, Shelbyville EmployeeFinding a new place to live can be daunting. When a long-time credit union member faced uncertainty, we stepped in with a solution to purchase the home he had been renting!
Why are we different from most banks and credit unions?
Real people, practical options, and support that starts with listening.
Your Story Matters
A credit score or past account problem does not tell the whole story. Heritage South takes the time to understand your situation and help you explore the options available. It’s people helping people, the way it is supposed to be.
More Ways to Belong
Heritage South works to make membership and lending clear and accessible for local families in the communities we serve, including individuals who use an ITIN.
Local People Who Care
When you call, you can talk with someone here in Middle Tennessee. Heritage South’s team and volunteer board live and work in the communities they serve, not is some other state or far-off city.
Solutions for Real Life
From Rally Checking and secured loans to Teen Auto Loans and construction lending, Heritage South offers practical options for different needs and stages of life.
Banking With an ITIN?
Learn how to become a Heritage South member, open an account, and explore lending options using an Individual Taxpayer Identification Number.
Join Heritage South in 4 Simple Steps
Check Your Eligibility
You can join if you live, work, worship, or attend school in an eligible Middle Tennessee community. Immediate family members of current members can join too.
Complete Your Application
Apply online or visit a Heritage South branch. Have your basic personal information and identification ready.
Open Your Share Savings Account
Pay a one-time $1 membership fee and deposit at least $5 into a Share Savings account to become a member.
Choose What Comes Next
Add checking, digital banking, loans, or other services that support your everyday needs and future goals.
Become a Member
Disclosures
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APY = Annual Percentage Yield, APR = Annual Percentage Rate
The appearance of a link on this or any other Heritage South Community Credit Union Web page neither constitutes an endorsement or recommendation by Heritage South Community Credit Union. External Link Notice