Rates

Straightforward rates to help you save, borrow, and move forward with confidence.

Checking Accounts (Local Checking)

Balance

Dividend Rate

Annual Percentage Yield (APY)

Balance

$0–$999.99

Dividend Rate

None

Annual Percentage Yield (APY)

None

Balance

$1,000–$4,999.99

Dividend Rate

0.05%

Annual Percentage Yield (APY)

0.05%

Balance

$5,000 and above

Dividend Rate

0.10%

Annual Percentage Yield (APY)

0.10%

Open a Checking Account

Learn more about Checking Accounts

Savings Accounts

Account

Dividend Rate

Annual Percentage Yield (APY)

Rates disclosed are the previous quarters’ declared dividend rate. Share account rates are declared at the end of the dividend period and are subject to change quarterly. Fees may reduce earnings.

Account

Share Savings

Dividend Rate

0.25%

Annual Percentage Yield (APY)

0.25%

Account

Christmas Club

Dividend Rate

0.25%

Annual Percentage Yield (APY)

0.25%

Account

RoundUP

Dividend Rate

0.25%

Annual Percentage Yield (APY)

0.25%

Account

Special Club

Dividend Rate

0.25%

Annual Percentage Yield (APY)

0.25%

Open a Savings Account

Learn more about Savings Accounts

Money Market Account (Gold Share Money Market)

Balance

Dividend Rate

Annual Percentage Yield (APY)

Checking and money-market dividends are paid monthly. Their disclosed rates are based on the previous month and may change monthly. Fees may reduce earnings.

Balance

$2,500–$9,999.99

Dividend Rate

0.85%

Annual Percentage Yield (APY)

0.85%

Balance

$10,000–$49,999.99

Dividend Rate

1.05%

Annual Percentage Yield (APY)

1.05%

Balance

$50,000–$99,999.99

Dividend Rate

1.20%

Annual Percentage Yield (APY)

1.21%

Balance

$100,000–$199,999.99

Dividend Rate

1.40%

Annual Percentage Yield (APY)

1.41%

Balance

$200,000 and above

Dividend Rate

2.75%

Annual Percentage Yield (APY)

2.78%

Open a Money Market Account

Learn more about Money Market Accounts

Overdraft Protection Line of Credit

Fixed Annual Percentage Rate (APR)

Term

Maximum Amount

You must have approved credit to be eligible for the Overdraft Protection Line of Credit.

Late Payment Fee: A late charge of 5% of your scheduled payment with a minimum of $5.00 will be collected if your payment is received 20 or more days past the due date.

Fixed Annual Percentage Rate (APR)

17.50%

Term

Revolving with minimum payment of $40 monthly

Maximum Amount

$500

To apply, call 931-680-1400 or visit a branch.

Share Certificates & Individual Retirement Account (IRA) Share Certificates

Certificate Type

Dividend Rate

Annual Percentage Yield (APY)

IRA Share Certificates earn the same rates as standard Share Certificates.

Rates are Subject to Change. A penalty may be imposed for early withdrawals from certificate accounts. Fees may reduce earnings.

All regular share and share certificate dividends are compounded quarterly, except any share certificate with a term of less than one year, which is paid at maturity. Annual percentage yield quoted assumes quarterly compounding. Alternately dividends on share certificates may be deposited to another credit union account monthly or quarterly or paid by check monthly or quarterly. (Consult with the IRA administrator before requesting dividend payouts on IRA accounts.)

Certificate Type

6 Month Certificate

Dividend Rate

3.40%

Annual Percentage Yield (APY)

3.43%

Certificate Type

1 Year Certificate

Dividend Rate

3.80%

Annual Percentage Yield (APY)

3.85%

Certificate Type

1 Year Jumbo Certificate (Minimum $100,000)

Dividend Rate

4.20%

Annual Percentage Yield (APY)

4.27%

Certificate Type

2 Year Certificate

Dividend Rate

3.25%

Annual Percentage Yield (APY)

3.29%

Certificate Type

3 Year Certificate

Dividend Rate

3.35%

Annual Percentage Yield (APY)

3.39%

Certificate Type

5 year Certificate

Dividend Rate

3.35%

Annual Percentage Yield (APY)

3.39%

Open a Certificate Account

Learn more about Certificates

Individual Retirement Account (IRA) Accumulation Account

Dividend Rate

Annual Percentage Yield (APY)

Rates disclosed are the previous quarters’ declared dividend rate. Share account rates are declared at the end of the dividend period and are subject to change quarterly. Fees may reduce earnings.

Dividend Rate

0.25%

Annual Percentage Yield (APY)

0.25

Open an IRA Accumulation Account

Learn more about IRA Accumulation Accounts

Youth Savings Accounts

Account Type

Dividend Rate

Annual Percentage Yield (APY)

Rates disclosed are the previous quarters’ declared dividend rate. Share account rates are declared at the end of the dividend period and are subject to change quarterly. Fees may reduce earnings.

Account Type

Ages 0-8 Chipmunk Savings Account

Dividend Rate

0.25%

Annual Percentage Yield (APY)

0.25%

Account Type

Ages 8-12 Squirrel Savings Account

Dividend Rate

0.25%

Annual Percentage Yield (APY)

0.25%

Account Type

Ages 13-18 Teen Cache Savings Account

Dividend Rate

0.25%

Annual Percentage Yield (APY)

0.25%

Open a Youth Savings Account

Learn more about Youth Savings Accounts

Youth Certificates (1-Year “Happy Birthday Certificate”)

Balance

Dividend

Annual Percentage Yield (APY)

Rates are subject to change. Limit one Happy Birthday Certificate per member. This offer, including the stated APY, is effective June 1, 2020. Heritage South Community Credit Union reserves the right to end or modify this offer at any time. Penalty for early withdrawal. Fees may reduce earnings. The Happy Birthday Certificate has a $100 minimum deposit and a $500 maximum deposit to earn the special rate. Additional deposits are allowed above the $500, but the rate on funds above the $500 maximum will earn dividends at the prevailing dividend rate of the standard one-year certificate. Certificate owner(s) must have a Chipmunk, Squirrel, or Teen Cache account on the certificate issue date. If there is no Chipmunk, Squirrel, or Teen Cache account or the Chipmunk, Squirrel, or Teen Cache account is closed, your Happy Birthday Certificate dividend rate will be reduced to the prevailing dividend rate of the standard one year for the remainder of the certificate’s term.

Balance

$100-$500

Dividend

3.00%

Annual Percentage Yield (APY)

3.00%

Balance

Amounts above $500

Dividend

3.80%

Annual Percentage Yield (APY)

3.85%

Open a Youth Certificate Account

Learn more Youth Certificate Accounts

Credit Card

Card

Annual Percentage Rate (APR) as low as*

Annual Fee

Disclosures

No minimum finance charge or transaction fees for purchases or cash advances.

* Annual Percentage Rate determined by credit score. Review complete credit card terms and conditions

Card

Platinum Visa Credit Card

Annual Percentage Rate (APR) as low as*

8.90%

Annual Fee

$0

Disclosures

Summary of terms.

Apply for a Credit Card

Learn more about our Credit Card

New and Used Auto Loans

Term

Annual Percentage Rate (APR) as low as*

* Annual Percentage Rate of these secured Auto Loans depends on the borrower’s credit score, loan term, and age of the vehicle being used as collateral. All loans are subject to credit approval.

Maximum financing up to 100% of sticker price or NADA retail value, plus taxes and tags.

Application Fee: $50.00

Filing Fees: You will be charged a lien filing fee at the time of an advance if the credit union takes a security interest in your collateral. The amount will be based upon the amount of fee required by state law or for the credit union to secure a lien on your property.

Late Payment Fee: A late charge of 5% of your scheduled payment with a minimum of $5.00 will be collected if your payment is received 20 or more days past the due date.

Term

24 Month New and Used Auto Loans

Annual Percentage Rate (APR) as low as*

6.85%

Term

36 Month New and Used Auto Loans

Annual Percentage Rate (APR) as low as*

7.1%

Term

48 Month New and Used Auto Loans

Annual Percentage Rate (APR) as low as*

7.35%

Term

60 Month New and Used Auto Loans

Annual Percentage Rate (APR) as low as*

7.6%

Term

72 Month New and Used Auto Loans

Annual Percentage Rate (APR) as low as*

7.85%

Term

84 Month New and Used Auto Loans

Annual Percentage Rate (APR) as low as*

8.1%

Term

96 Month New and Used Auto Loans

Annual Percentage Rate (APR) as low as*

9.65%

Apply for a Teen Auto Loan

Learn more about Auto Loans

Teen Auto Loans (Fixed Rate Across Terms)

Term Options

Annual Percentage Rate (APR) as low as*

* Annual Percentage Rate of these secured Auto Loans depends on the borrower’s credit score, loan term, and age of the vehicle being used as collateral. All loans are subject to credit approval.

Maximum financing up to 100% of sticker price or NADA retail value, plus taxes and tags.

Application Fee: $50.00

Filing Fees: You will be charged a lien filing fee at the time of an advance if the credit union takes a security interest in your collateral. The amount will be based upon the amount of fee required by state law or for the credit union to secure a lien on your property.

Late Payment Fee: A late charge of 5% of your scheduled payment with a minimum of $5.00 will be collected if your payment is received 20 or more days past the due date.

Term Options

24 Month, 36 Month, 48 Month, and 60 Month Terms Available

Annual Percentage Rate (APR) as low as*

8.5%

Apply for a Teen Auto Loan

Learn more about Teen Auto Loans

Home Equity Line of Credit

Loan to Value

Annual Percentage Rate (APR) as low as*

Rate Type

* Annual Percentage Rates are variable and are tied to the Federal Reserve Board Prime rate + a margin depending on credit score and loan to value. Rates can adjust twice a year in February and August, based on the prime rate published in the Wall Street Journal in January and July.

Loan to Value

Up to 80%

Annual Percentage Rate (APR) as low as*

7.00%

Rate Type

Monthly adjustable rate

To apply for a secured loan, call 931-680-1400 or visit a branch.

Learn more about our Home Equity Line of Credit

Mortgage Loans

The credit union has several different mortgage loan options available. Both in-house and through the secondary market. Rates are subject to change daily. Please call the credit union for current rates.

For more information, please contact our mortgage department by calling 931-680-1400 or visiting a branch.

Personal Loan and Personal Line of Credit (Signature Loan and Signature Line of Credit)

Loan Type

Terms Up To

Annual percentage rate as low as*

Apply

On Signature Loans and Lines of Credit, the annual percentage rate you receive is based on your credit score. You will be informed of the rate you qualify for before the loan is closed.

Application Fee: $50.00 (Does not apply to Personal Line of Credit)

Late Payment Fee: A late charge of 5% of your scheduled payment with a minimum of $5.00 will be collected if your payment is received 20 or more days past the due date.

Loan Type

Personal Loan (Signature Loan)

Terms Up To

Variable; most common Term is 36 months

Annual percentage rate as low as*

10.45%

Apply

Apply for a Signature Loan

Loan Type

Personal Line of Credit (Signature Line of Credit)

Terms Up To

Revolving; rates are based on a 36-Month payout of credit limit

Annual percentage rate as low as*

10.45%

Apply

Call 931-680-1400 or visit a local branch.

Learn more about Consumer Loans

Secured Loans

Loan Type

Term

Annual Percentage Rate (APR) as low as*

Maximum Amount

* On secured loans, the annual percentage rate you receive is based on your credit score, the term of the loan, and the age of the collateral. You will be informed of the rate you qualify for before the loan is closed.

Filing Fees: You will be charged a lien filing fee at the time of an advance if the credit union takes a security interest in your collateral. The amount will be based upon the amount of fee required by state law or for the credit union to secure a lien on your property.

Late Payment Fee: A late charge of 5% of your scheduled payment with a minimum of $5.00 will be collected if your payment is received 20 or more days past the due date.

** For other secured loans, the rate depends on the borrower’s credit score, term, and age of the collateral. These loans may cover items such as motorcycles, watercraft, lawn and garden equipment, electronics, and jewelry.

Loan Type

Share-Secured Loan

Term

Loan must be repaid before pledged shares can be withdrawn

Annual Percentage Rate (APR) as low as*

2.25%

Maximum Amount

Amount of pledged shares

Loan Type

Share Certificate-Secured Loan

Term

Loan must be repaid before the pledged certificate can be redeemed

Annual Percentage Rate (APR) as low as*

5.25%

Maximum Amount

Amount pledged in the certificate account

Loan Type

Other Secured Loans

Term

24–96 months**

Annual Percentage Rate (APR) as low as*

6.85%

Maximum Amount

Based on the collateral being financed

To apply for a secured loan, call 931-680-1400 or visit a branch.

Learn more about Consumer Loans

Members can find the most current fee schedule in their monthly eStatements. If you receive a printed monthly statement, the fee schedule is printed on the back. For help accessing your eStatements, our team is ready to assist you.

How do I access my eStatements?

Log in to your online or mobile banking account and navigate to the eStatements & Notices section. The eStatements “tile” is on your digital banking homepage, below your account(s) and balance(s). If you need help or would like to enroll for eStatements, our team can guide you through the process. Contact us at 931-680-1400.

More Ways to Save

Explore limited-time offers designed to help you make the most of your money.

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Explore Auto Refinancing

APR=Annual Percentage Rate. Terms and credit requirements apply.

Christmas Special
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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 More

Credit Requirements Apply

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