We Help When Others Won't

You’re here because you want more for your money, right? A better option than megabanks with lousy service or smaller institutions with limited options?

Welcome to Heritage South, where We Help When Others Won’t is not just another catchphrase an expensive marketing firm came up with; it’s what our members tell us we do every day. We have story after story about how we’ve helped our members. We’re going places, and so are our 30,000 members in Middle Tennessee. Read on to learn more.

People, not Profits

As a not-for-profit financial cooperative, we are not in the business of making wall street investors or a board of directors rich. Instead, we are owned by our members. That means anyone with an account at Heritage South is part-owner of the credit union! We work to enrich our members' financial well-being every day by offering the same products as banks without the big bank hassle. Our membership is open to anyone who lives, works, worships, or attends school in Bedford, Marshall, Rutherford, Cannon, or Maury counties or the cities of Tullahoma, Manchester, Winchester, Decherd, or Fayetteville. All it takes is a $1 one-time membership fee and a $5 initial deposit in your account. Learn more about our membership.

Want an example of how we work for our members? Our members benefit to the tune of $2.6 million every year in lower loan rates and higher deposit rates than they would have received at other banks.*

Online and On the Go

Heritage South is here for you wherever you go. You can open an account or apply for a loan online. Our mobile app and online banking make it simple for you to check your account, transfer money, pay bills, and deposit checks. If you need cash on the go, you have access to America's largest fee-free ATM network with locations all across the United States and even some internationally! This allows you to build your financial future anywhere.

More Business, More Rewards

Did you know: the more business you do with us, the better savings and loan rates you could get? It's true! More than just having a higher balance in a Gold Share account (which gives you a higher rate), we can offer relationship bonuses on both certificate rates and consumer lending rates for members who qualify. These relationship bonuses vary but are based upon having an active checking account, aggregate balance in your deposit accounts, and previous loan history.

Ready to take your money further? Open your account and join Heritage South today.

Join Heritage South Now

*Combined total benefit for all members. Source: CUCollaborate Analysis, June 2023