Heritage South Community Cu Credit Union

Headquarters

P. O. Box 1219
Shelbyville, TN 37162
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 5.55% →
1-Year CD 0.85% 5.38% →
2-Year CD 0.90% 4.95% →
5-Year CD 1.21% 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

Heritage South Community Cu is an NCUA insured institution located in Shelbyville, TN. It was founded in 1957 and has approximately $312.63 millions in assets.

Who can join?

Anyone who lives, works, worships, or attends school in Bedford, Rutherford, or Marshall counties is eligible to join the credit union. The union also grants membership to the immediate family of current members to include spouses, children, and parents.

NCUA Insured Yes / State-Chartered
Charter Number # # 67748
Date Established 1957
Assets $312.63 million
Loans $237.30 million
Deposits $260.31 million
Capital $49.54 million
 

Field of Membership Restrictions

Heritage South Community Credit Union of Tennessee is open to the residents, church members, registered students, and the people that maintain employment within these qualified counties: Bedford, Rutherford, and Marshall along with the family members of current credit union members.

Deposit Rates - July 19, 2024

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.25% $2,500 $4,999 Learn More
Money Market
0.30% $2,500 $2,999 Learn More
Money Market
0.40% $10,000 $14,999 Learn More
Money Market
0.40% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.70% $10,000 $14,999 Learn More
6 Mo CD
0.70% $100,000 $199,999 Learn More
12 Mo CD
0.85% $10,000 $14,999 Learn More
12 Mo CD
0.85% $100,000 $199,999 Learn More
24 Mo CD
0.90% $10,000 $14,999 Learn More
24 Mo CD
0.90% $100,000 $199,999 Learn More
36 Mo CD
1.00% $10,000 $14,999 Learn More
36 Mo CD
1.00% $100,000 $199,999 Learn More
60 Mo CD
1.21% $10,000 $14,999 Learn More
60 Mo CD
1.21% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
Var IRA
0.25% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - July 19, 2024

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Heritage South Community Cu

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Virginia 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
PenFed Credit Union
NMLS ID: 401822
6.644% 6.500% 0.50 $4,803 $2,023 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.711% 6.625% 0.63 $2,850 $2,049 Learn More
Rocket Mortgage
NMLS ID: 3030
7.076% 6.990% 0.88 $2,800 $2,127 Learn More
CrossCountry Mortgage
NMLS ID: 3029
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.990 %
$0 Learn More
More Info

Note to Heritage South Community Cu
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Branches

Below are Heritage South Community Cu branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Heritage South Community Cu Locations around zip code 20146


BranchDistance Map View Lobby Hours

College Street Branch

521.08 A View Lobby Hours

Shelbyville

534.72 B View Lobby Hours

Lewisburg

551.27 C View Lobby Hours


Climate Policy and Initiatives

HERITAGE SOUTH COMMUNITY CU is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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Financial Details

Heritage South Community Cu Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Heritage South Community Cu. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Heritage South Community Cu U.S. Average
1.09% 6.52

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2024, Heritage South Community Cu had $566,073 in non-current loans and $8,900 in owned assets. To cover these potential losses it had $49,541,141 in net worth and $3,309,096 in loans loss reserves. That gives it a Texas Ratio of 1.09%.

Net Worth
Heritage South Community Cu U.S. Average
15.85% 13.65%

Heritage South Community Cu FCU has a net worth of 15.85% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for Heritage South Community Cu

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