Heritage South Community CU Murfreesboro TN | Best Auto Loans & Low Mortgage Rates

Introduction

Welcome to Heritage South Community Credit Union, where our commitment to your financial well-being is at the heart of everything we do. Located at 839 W College St, Murfreesboro, TN 37129, our College Street Branch has been serving the community since 1957. With a focus on fostering strong relationships and providing personalized services, we proudly support over 33,870 members who trust us with their financial needs. At Heritage South, we understand that banking isn't just about numbers; it's about people. That's why we offer a comprehensive range of services designed to meet your unique needs from checking and savings accounts to auto loans, mortgages, and business banking solutions. Our total assets amount to an impressive $334,285,700, ensuring that we're well-equipped to help you achieve your financial goals. We take pride in maintaining a robust financial position with $20,185,639 in total deposits and a net worth of $52,921,751. As part of our mission to empower our members, we have issued a significant number of loans totaling 18,832, reflecting our dedication to facilitating growth within our community. Led by CEO Laura Parham and Board President Ken Malone, our experienced team of 86 employees is always ready to assist you. Whether you have questions about your account or need guidance on loan options, we're here to help every step of the way. For any inquiries or assistance, feel free to reach out to us at 615-217-3240. While members can visit us at 839 W College St, official correspondence should be sent to our mailing address: PO Box 330838, Murfreesboro, TN 37133. Join us today and discover how Heritage South Community Credit Union can make a difference in your financial journey! Visit our website at heritagesouth.org for more information or stop by our branch during lobby hours from Monday to Friday, 8:30 a.m. to 5 p.m. We look forward to welcoming you into our community!

Branch History & Mission

At Heritage South Community Credit Union, our story began in 1957 when we opened our doors in Murfreesboro, TN. Since then, we have grown into a cornerstone of the community, proudly serving over 33,870 members. Our journey reflects a commitment to not just banking, but to building relationships and supporting the financial well-being of our members. Located at 839 W College St, Murfreesboro, TN 37129, our branch is easily accessible and nestled within a vibrant community that continues to flourish. The surrounding area features local shops and parks, making it a welcoming destination for all who visit us. While members can visit us at this address for their banking needs, official correspondence should be sent to PO Box 330838, Murfreesboro, TN 37133. Our mission is clear: to provide exceptional financial services while making a positive impact in the lives of our members and the community. We strive to offer personal banking options such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Additionally, we aim to empower local businesses through tailored business banking services. Over the years, we have embraced technology to enhance our services. Our members can enjoy online and mobile banking options for convenience alongside traditional ATM access and drive-thru banking services. With a focus on customer experience, we ensure that every interaction is friendly and efficient. Heritage South Community Credit Union is not just about finances; it's about community support. We actively participate in local outreach efforts and partnerships that enrich the lives of those around us. Our commitment goes beyond transactions; we are here to help you achieve your financial goals while fostering a sense of belonging. As we look ahead, our vision remains steadfast. We invite anyone looking for a supportive financial partner to join us at Heritage South Community Credit Union. Experience the benefits of being part of a caring community dedicated to your success. For more information or to become a member today, please call us at 615-217-3240 or visit our website at Heritage South. Together, let's build a brighter financial future!

Branch Location & Accessibility

Banking Hours and Services

We're here for you Monday through Friday from 8:30 a.m. to 5 p.m., so you can visit us when it's most convenient for you. Our friendly staff is ready to assist with a wide range of services including personal banking, auto loans, mortgage options, and business banking solutions. We also have an ATM available for those quick cash needs. If you're looking for a place that values community and provides personalized service, look no further than Heritage South Community Credit Union. While members can visit us at 839 W College St, official correspondence should be sent to PO Box 330838, Murfreesboro, TN 37133.

Convenient Access

Finding us is a breeze! Whether you're coming from the nearby MTSU campus or just passing through on your daily commute, our location is designed with accessibility in mind. We offer ample parking and ADA-compliant features to ensure everyone can easily reach us. Plus, if you need to stop by for a quick transaction, our drive-thru service allows you to bank without leaving your vehicle.

Get in Touch!

Have questions or need assistance? Don't hesitate to call us at 615-217-3240. We're excited to serve you and help meet your financial needs. Stop by today and discover how we can make banking easier for you!

Member Eligibility

At Heritage South Community Cu, we believe that becoming a member is like joining a family where everyone supports one another. If you're wondering how to join us, the good news is that eligibility is quite inclusive! Generally, anyone who lives, works, or attends school in our community is welcome to become a member. This means that whether you're a long-time resident of Murfreesboro or just passing through, you can take advantage of our array of services designed to help you thrive. To get more detailed information on what makes you eligible, check out our membership page at this link. Joining is easy and rewarding! By becoming a member of Heritage South Community Cu, you'll gain access to a range of benefits including competitive loan rates, personalized banking services, and a friendly community atmosphere. Ready to open an account? You can find all the necessary steps online at this page, or feel free to give us a call at (615) 217-3240 if you have any questions. We're here to help you every step of the way as you embark on this exciting journey with us at 839 W College St, Murfreesboro TN 37129.

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $169 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $33,051,743, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer comprehensive merchant services designed to streamline your operations. Imagine having a reliable payment processing solution that allows you to accept payments easily, whether online or in-person. Our services not only simplify transactions but also enhance customer satisfaction, letting you focus on what truly matters growing your business. Located at 839 W College St Murfreesboro Tn 37129 in Murfreesboro, TN, our team is ready to partner with you on your business journey. For inquiries or to learn more about how we can assist you, call us at (615) 217-3240. Together, let's build a brighter future for your business!

Comprehensive List Of Services

ATM & Drive-Thru Services

We know that sometimes you need quick access to cash or want to complete simple transactions without entering the branch. That's why our ATM and drive-thru services are available for deposits, withdrawals, and balance checks making banking easy and accessible.

Business Banking

For entrepreneurs, our business banking services provide essential support. We offer merchant services and business loans designed to help your business thrive. Whether you're launching a startup or expanding an existing venture, we're committed to helping you succeed.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your finances from anywhere. With just a few clicks or taps, you can access your accounts, make transfers, pay bills, and even send money to friends through person-to-person payment options.

Get Started Today!

Ready to explore all the ways we can assist you? Contact us at 615-217-3240 or visit us in person at Heritage South Community Cu in Murfreesboro. Discover how we can serve you better through our diverse array of financial products and services. Your journey toward financial wellness starts here!

Home Financing

Dreaming of homeownership? Our mortgage loans and refinancing options can help turn that dream into reality. We understand that buying a home is a significant step, and we're here to guide you through the process every step of the way.

Personal Banking

Whether you're just starting out or managing a growing family, our personal banking options have you covered. From checking and savings accounts to auto loans and vehicle financing, we offer various solutions designed to fit your lifestyle. Need a little extra cash? Our personal loans and debt consolidation services can help you manage expenses more efficiently. Plus, our credit cards come with rewards that benefit you every time you spend.

Digital & Online Banking

Key Features

With our online banking services, you can easily check your account balances, transfer funds, and pay bills all from the comfort of your own device. We also provide electronic statements, which means you can say goodbye to paper clutter while keeping track of your financial activity effortlessly. Plus, with electronic signature authorization, signing important documents is a breeze! For those who prefer banking on their mobile devices, our mobile application puts all these features right at your fingertips. You can make person-to-person transfers quickly and securely, allowing you to send money to friends or family with just a few taps. And if you love using mobile payments, we've got you covered there too enjoy the convenience of making purchases directly from your phone.

Security and Accessibility

At Heritage South Community Cu, we prioritize your security. Our online and mobile banking platforms use advanced technology to keep your information safe while providing an easy-to-use experience. Whether you're checking balances or making transfers, rest assured that your data is protected. In today's fast-paced world, having real-time access to your accounts is essential. With our digital banking options, managing your finances has never been easier or more accessible. Join us at Heritage South Community Cu and take advantage of our comprehensive online services today!

Financial Strength

Growing Membership Base

We are proud to report a strong community trust as evidenced by our total share accounts reaching 62,029. This growing member base reflects how much our community values the services we provide. 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 839 W College St Murfreesboro Tn 37129 or call 615-217-3240 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

Member-Focused Savings

Your savings are safe with us. We have secured $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 operational efficiency is reflected by our net income standing at $0, allowing us to focus resources on improving member experiences rather than profits. We also take pride in having 82 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvesting in Our Members

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. We understand the importance of supporting your financial goals across various sectors. Currently, we have $54,459 in used auto loans and an impressive total of $243,491,346 in loans and leases available for our members.

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 1653 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

Additional Information

If you're interested in exploring eligibility options or refinancing existing loans, feel free to reach out. You can contact us at 615-217-3240 or visit us at 839 W College St Murfreesboro TN 37129. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Heritage South Community Credit Union, we're committed to providing financial solutions that work for you!

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. We provide flexible terms and refinancing options to make owning a vehicle more accessible than ever.

Business Loans

For business owners, our outstanding commercial loans totaling $33,051,743 provide the capital needed to grow and expand. We understand that businesses are the backbone of our community and offer tailored solutions to help them thrive.

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 aim to support you every step of the way on your path to owning a home.

Unsecured Credit Card Loans

Managing finances can be tricky at times. That's why 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. Whether it's for unexpected expenses or planned purchases, our credit card options provide added convenience.

Loan Aggregator

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Ensuring Accurate 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 means you can trust that the offers presented are fair and transparent. Each lender listed goes through a verification process, ensuring that you only see legitimate loan offers.