Heritage South Community Cu Credit Union
Headquarters
P. O. Box 1219
Shelbyville, TN 37162
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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 $325.4 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 | $325.40 million |
| Loans | $241.41 million |
| Deposits | $261.76 million |
| Capital | $51.04 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 - November 17, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.25% | $2,500 | $4,999 |
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|
|
Money Market
|
0.30% | $2,500 | $2,999 |
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|
|
Money Market
|
0.40% | $10,000 | $14,999 |
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|
|
Money Market
|
0.40% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.21% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.21% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.25% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.494% | 6.375% | 0.75 | $4,000 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.868% | 6.750% | 1.00 | $3,884 | $2,076 | Learn More |
NMLS ID: 1907 |
7.181% | 7.125% | 0.63 | $1,802 | $2,156 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$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:
Columbus,Ohio
Heritage South Community Cu Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 336.35 | A | View Lobby Hours | |
| 359.09 | B | View Lobby Hours | |
| 370.61 | 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 |
|---|---|
| 1.20% | 5.83 |
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 June 30, 2024, Heritage South Community Cu had $653,820 in non-current loans and $600 in owned assets. To cover these potential losses it had $51,035,185 in net worth and $3,309,096 in loans loss reserves. That gives it a Texas Ratio of 1.20%.
Net Worth
| Heritage South Community Cu | U.S. Average |
|---|---|
| 16.07% | 13.93% |
Heritage South Community Cu FCU has a net worth of 16.07% versus the BestCashCow average of 13.93. 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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