Heritage South Community CU Lewisburg TN | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Heritage South Community Credit Union in Lewisburg, TN! Located at 600 E Church St, our branch has been proudly serving our community since 1957. With a strong commitment to our members, we focus on building lasting relationships and providing exceptional financial services tailored to your needs. As of now, we are thrilled to support a vibrant membership base of 33,870 individuals. Our total assets have grown impressively to $334,285,700, demonstrating our stability and dedication to responsible management. We understand that trust is essential in finance, which is why we maintain a robust net worth of $52,921,751 and total deposits amounting to $20,185,639. While members can visit us at our branch for personal banking services like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards, official correspondence should be sent to our mailing address: P.O. Box 2093, Lewisburg, TN 37091. At Heritage South Community Credit Union, we take pride in being more than just a financial institution. Our CEO, Laura Parham, along with Board President Ken Malone, lead a dedicated team of 86 employees who work hard every day to ensure you receive the best service possible. Together, we're committed to making a positive impact in the lives of our members and the surrounding community. If you're looking for a trustworthy partner in your financial journey or need assistance with loans totaling over 18,832, we invite you to reach out or visit us today. Call us at 931-359-3911, or explore our website at heritagesouth.org for more information on how we can help you achieve your financial goals!

Branch History & Mission

Commitment to Accessibility

In addition to our core banking services, we prioritize accessibility for all members. Our branch features ADA-compliant facilities ensuring everyone can comfortably use our services. For those who prefer digital solutions, we offer online banking and mobile payment options that make managing finances easy and convenient. We also provide ATM access for quick transactions and drive-thru banking for added convenience during busy days. You can count on us being there when you need us most our lobby is open Monday through Friday from 8 a.m. to 4:45 p.m., with extended hours on Fridays until 5:30 p.m., and Saturday hours from 8:30 a.m. to 12 p.m.

Join Us

As we continue this legacy of service in Lewisburg and beyond, we invite you to join our family at Heritage South Community Credit Union. Experience firsthand how we put members first while offering competitive rates and exceptional customer service. Together, let's build a brighter financial future! For any inquiries or assistance, please feel free to reach out at 931-359-3911 or visit our website at Heritage South. While members can visit us at 600 E Church St, official correspondence should be sent to P.O. Box 2093, Lewisburg, TN 37091 if different from our physical location. Your journey toward financial empowerment starts here!

Our Mission

At Heritage South Community Credit Union, our mission is clear to improve the financial well-being of our members and the community at large. We strive to offer personalized banking solutions tailored to meet the unique needs of each member. Whether you're opening your first checking account or seeking advice on investment options, we are here to guide you. We believe that financial education is key to empowerment. That's why we actively engage in community outreach programs and partnerships aimed at enhancing financial literacy among all age groups. By participating in local events and initiatives, we aim to foster a sense of belonging and mutual support that extends beyond mere transactions.

Branch Location & Accessibility

Comprehensive Services Right Here

We offer a variety of services tailored to fit your personal and business banking needs. From checking and savings accounts to auto loans and mortgage refinancing, we're here to help you every step of the way. Plus, with ATM availability and drive-thru banking options, managing your finances has never been more convenient.

Convenient Access and Parking

Our location offers ample parking for members, making your visit hassle-free. We take pride in ensuring that our facilities are ADA compliant, with ramps and other accessibility features available for those who need them. You can feel comfortable knowing that we've made it easy for everyone to access our services.

Get in Touch Today!

If you have questions or need assistance, don't hesitate to call us at 931-359-3911. Our dedicated team is ready to assist you with anything you need. While you're here at our branch in Lewisburg, we invite you to experience the welcoming atmosphere that sets Heritage South Community Credit Union apart. Come visit us today!

Operating Hours Tailored for You

At Heritage South, we understand that flexibility is important. Our lobby is open Monday through Friday from 8 a.m. to 4:45 p.m., and on Fridays, you can even catch us a little earlier at 7:30 a.m., staying open until 5:30 p.m. Need service on Saturday? We've got you covered with drive-thru hours from 8:30 a.m. to 12 p.m.

Member Eligibility

At Heritage South Community Cu, we believe that everyone deserves a supportive financial community. Becoming a member is simple and welcoming! If you live, work, worship, or go to school in Marshall County or surrounding areas, you're likely eligible to join us. We also welcome family members of current members, making it easier for loved ones to benefit from our services together. To learn more about the specifics of eligibility, check out our detailed guide at http://www.heritagesouth.org/membership. Once you've confirmed your eligibility, opening an account with us is straightforward and can be done online. Our team is here to assist you every step of the way; feel free to reach out at (931) 359-3911 if you have any questions. Join us at our branch located at 600 E Church St Lewisburg Tn 37091, and experience the advantages of being part of a community-focused credit union that prioritizes your financial well-being!

Business Banking & Commercial Services

Merchant Services

In addition to loans, we offer merchant services that simplify daily operations. Imagine being able to process transactions seamlessly, manage payroll efficiently, and accept various payment methods all tailored to meet your business requirements. Our services help streamline your operations so you can focus on what you do best: running your business. Visit us at 600 E Church St Lewisburg Tn 37091 in Lewisburg, TN, or call us at (931) 359-3911 to learn how we can partner with you for success!

Tailored Loan Options

Imagine having the capital to take your business to the next level. With our commitment to supporting businesses, we have invested in growth through our commercial lending programs: - We've funded over $169 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $33,051,743, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Accessing Your Funds

Whether you prefer visiting us in person or using digital channels, accessing your funds is simple. We have an ATM available for quick cash withdrawals and balance checks as well as basic drive-thru banking services for deposits and withdrawals during our operating hours.

Business Banking Services

Running a business is challenging, and we're here to help. Our business banking services include merchant services and business loans, allowing you to focus more on growth while we take care of the financial side.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. Check your balance, transfer funds, or pay bills all from the comfort of your home or on the go. With mobile payments and person-to-person transfers available at your fingertips, managing finances has never been easier.

Credit and Rewards

For members who enjoy rewards while spending, our credit cards come with exciting benefits tailored to enhance your purchasing power. Whether it's earning cash back or travel points, we've got options that make every purchase rewarding.

Join Us Today!

We invite you to discover how Heritage South Community Cu can support your financial needs. Our friendly team is here to assist you with any questions you may have about our services. Feel free to call us at 931-359-3911 or visit us at our Lewisburg location to learn more about becoming a member today!

Personal Banking Solutions

We understand that managing your money is essential. That's why we offer personal banking options like checking and savings accounts designed to fit your lifestyle. Need funds for a new car? Our auto loans and vehicle financing can help you get on the road without breaking the bank. For those considering buying a home, our mortgage loans and refinancing options ensure you have access to the right financial tools for your big investment. If you're facing unexpected expenses, our personal loans and debt consolidation services can provide relief when you need it most.

Digital & Online Banking

Accessibility and Support

Our 24/7 online banking services mean that you can manage your accounts whenever it suits you. No more rushing to the bank before closing time! With user-friendly tools, real-time account management is at your fingertips. At Heritage South Community Cu, we're committed to making your banking experience smooth and stress-free. Dive into the world of digital banking with us today because managing your money should be easy!

Key Features

With our online banking platform, accessible at https://www.heritagesouth.org/, you can view your account balances, transfer funds, and pay bills anytime, anywhere. Plus, our mobile application allows you to take your banking right in your pocket! Need to send money to a friend? Our person-to-person transfer feature makes it quick and simple. You can also enjoy the ease of mobile payments, letting you make purchases using just your smartphone. Security is our top priority. We provide electronic signature authorization for documents, ensuring that all transactions are safe and secure. You can also choose to receive e-statements, which not only help reduce paper clutter but are also protected with advanced encryption measures.

Financial Strength

Growing Together

We have a strong member base with a total of 62,029 share accounts, showcasing the trust that many have placed in us as their financial partner. This growing membership reflects our commitment to providing exceptional service tailored to your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Heritage South Community Cu is your trusted partner. Visit us at 600 E Church St Lewisburg TN 37091 or call 931-359-3911 to learn more about how we can help you achieve your financial goals.

Investing in Our Community

With $52,921,751 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to support your financial goals is reflected in our lending portfolio with $54,459,000 in used auto loans and a total of $243,491,346 in loans and leases available to help you achieve your dreams.

Member-Centric Savings Solutions

Members' savings are secured through $81,271,730 in share certificates and $34,336,960 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our ability to serve you effectively is highlighted by our $0 net income, which indicates that we focus on delivering value rather than profit. We also take pride in having 82 full-time employees and 4 part-time employees, ensuring our branches are always ready to assist you with a knowledgeable and committed team.

Solid Financial Health

With a net worth of $52,921,751, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 16.53% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $69,462,248 in used vehicle loans and $6,536,192 in new vehicle loans already helping members get on the road. Whether you're looking for a brand-new model or a reliable used vehicle, our competitive rates make it easy to drive away satisfied.

Business Financing

For business owners, our outstanding commercial loans totaling $33,051,743 provide the capital needed to grow and expand. We aim to support local businesses by offering favorable terms that make financing accessible. Additionally, if you're considering refinancing any existing loans or exploring eligibility options for our products, we encourage you to reach out directly. Our team is here to help you find the best solution tailored just for you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Take the next step towards fulfilling your financial aspirations with Heritage South Community Cu's loan offerings! For more details about each product or to start your application process today, visit our website at heritagesouth.org.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $13,288,570, make buying or refinancing simple. We guide you through every step of the process and can assist with refinancing options if you're looking to lower your monthly payments or access equity in your home.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $3,880,394 in loans helping members manage their finances effectively. These cards come with features that can aid in budgeting and provide peace of mind for unexpected expenses.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This compliance guarantees that all loan offers displayed are fair and transparent, helping you understand your options without any hidden agendas.