Heritage South CU Murfreesboro TN | Affordable Vehicle Loans & Top Checking

Introduction

Welcome to Heritage South Community Credit Union at our Mlk Jr Blvd Branch, located conveniently at 1115 Dr Martin Luther King Blvd, Murfreesboro, TN 37130. Since our establishment in 1957, we have been dedicated to providing exceptional financial services and fostering a strong sense of community among our 33,870 members. At Heritage South, we pride ourselves on being more than just a credit union; we are your trusted partner in navigating life's financial journey. With total assets of $334,285,700, robust member support is at the heart of what we do. Whether you're looking for auto loans, mortgages, or personal banking solutions, we've got you covered with over 18,832 loans and leases actively supporting our members' dreams. Our commitment to service is reflected in our strong financial position. We currently hold $20,185,639 in deposits and maintain a net worth of $52,921,751, ensuring your funds are secure with us. Plus, with nearly $4,425,199 in cash readily available, you can trust that we're prepared to meet your banking needs. Led by our dedicated CEO, Laura Parham, and Board President, Ken Malone, our team of 86 employees is here to help you every step of the way. We understand that banking should be straightforward and accessible. That's why we offer convenient services such as online banking and mobile payments to fit your busy lifestyle. While members can visit us at the branch for all their banking needs, please note that official correspondence should be sent to our mailing address: P O Box 330838, Murfreesboro, TN 37133. We invite you to explore the many ways Heritage South Community Credit Union can serve you better. Feel free to call us at 615-410-2027 or visit our website at heritagesouth.org for more information on how to become a member or open an account today!

Branch History & Mission

At Heritage South Community Credit Union, we have a proud legacy that began in 1957, serving the financial needs of our community in Murfreesboro, TN. From our humble beginnings, we have grown into a trusted financial partner for over 33,000 members. Our commitment to providing exceptional service and support has been unwavering as we expanded our offerings and facilities. Located at 1115 Dr Martin Luther King Blvd, Murfreesboro, TN 37130, our branch is easily accessible for all members of the community. We invite you to visit us during our operating hours: Monday through Friday from 8:30 a.m. to 5 p.m., and Saturday from 8:30 a.m. to 12 p.m. For those who prefer convenience, we also offer drive-thru banking services and an ATM on-site. Our mission at Heritage South is straightforward yet impactful: to empower our members through quality financial services while fostering a sense of community. We believe that everyone deserves access to affordable banking options, whether it's through personal banking products like checking and savings accounts or loans tailored for vehicles and homes. Our focus extends beyond just financial transactions; we strive to make a positive difference in the lives of those we serve by engaging in community outreach initiatives and forming partnerships with local organizations. While our main branch address is where all the action happens, official correspondence can be sent to P O Box 330838, Murfreesboro, TN 37133 if needed. We are dedicated to ensuring that every interaction with us feels personal and meaningful. In addition to traditional banking services, we have embraced modern technology by offering online and mobile banking options. This ensures that our members can manage their finances conveniently from anywhere. We prioritize accessibility and compliance with ADA standards so that everyone can benefit from our services without barriers. As we look toward the future, Heritage South Community Credit Union remains committed to growth while staying true to our roots. With total assets now exceeding $334 million, we are well-positioned to continue supporting our members' dreams and aspirations. Join us today at Heritage South Community Credit Union! Experience firsthand how we're not just a financial institution but a partner in your journey toward financial success. Whether you're looking for loans or simply want to learn more about becoming a member, reach out to us at 615-410-2027 or visit our website at heritagesouth.org. Together, let's build a brighter future!

Branch Location & Accessibility

Accessibility Features

Our branch is committed to being accessible for all members. We have ADA-compliant features such as ramps and designated parking spaces that ensure everyone can comfortably reach our services. Parking is convenient and plentiful, allowing you to visit without any hassle.

Call to Action

We invite you to come by and experience the friendly service at our Mlk Jr Blvd Branch! If you have any questions or need assistance, feel free to give us a call at 615-410-2027. We look forward to welcoming you soon!

Operating Hours

We know that your time is valuable! That's why we offer flexible operating hours. You can visit us Monday through Friday from 8:30 a.m. to 5 p.m., and on Saturdays from 8:30 a.m. to 12 p.m. If you prefer using our drive-thru service, we're open Monday through Friday from 7:30 a.m. to 6 p.m., and Saturday from 8:30 a.m. to 12 p.m.

Services Offered

At Heritage South Community Credit Union, we provide a variety of services tailored to fit your needs. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. Our ATM is available for quick cash withdrawals and balance checks anytime you need it.

Member Eligibility

At Heritage South Community Cu, we believe that everyone deserves a chance to join our supportive and friendly community. Becoming a member is simple! If you live, work, worship, or attend school in Rutherford County or certain surrounding areas, you're already eligible. We welcome individuals and their family members who share our commitment to building a brighter financial future together. Plus, as a member, you gain access to a range of benefits, from competitive loan rates to personalized banking services that cater to your needs. To get started on your membership journey with us at 1115 Dr Martin Luther King Blvd, Murfreesboro, TN 37130, simply visit our website for more details about eligibility at this link. If you're ready to open an account, you'll find everything you need at this page. Should you have any questions along the way, don't hesitate to give us a call at 615-410-2027. We're here to help you every step of the way!

Business Banking & Commercial Services

Business Loans That Fuel Growth

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. This funding has enabled entrepreneurs to expand their operations, invest in new technologies, and create jobs within the community. - With an outstanding commercial loan portfolio of $33,051,743, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Operations

In addition to loans, our merchant services offer practical solutions that make day-to-day transactions easier for businesses. Imagine a small café in Murfreesboro that can quickly process payments with ease, allowing owners to focus on what they do best serving delicious coffee and pastries. Our services help streamline sales processes, making it easier for business owners to manage cash flow and enhance customer experiences. Whether you're just starting or looking to grow your established business, Heritage South Community Cu is here to support you every step of the way. Contact us today at (615) 410-2027 or visit us at 1115 Dr Martin Luther King Blvd Murfreesboro Tn 37130 to discover how we can help your business flourish!

Comprehensive List Of Services

Business Banking Options

For small business owners, we understand the unique challenges you face. That's why we offer business banking services that include merchant services and business loans tailored specifically for your needs. Let us help you manage cash flow or invest in growth opportunities.

Convenient Digital Banking Features

In today's busy world, convenience is key. That's why we offer robust online and mobile banking options that let you handle transactions anytime, anywhere. Check balances, pay bills, transfer money between accounts, and even send money to friends through person-to-person payments all from the palm of your hand! If you prefer traditional banking methods, our ATM services allow for easy cash withdrawals and balance checks whenever you need them. Plus, our drive-thru service makes quick transactions even easier perfect for those busy days when you're on the go.

Personal Banking Solutions

When it comes to personal banking, we've got you covered with a variety of options. Need a reliable checking or savings account? Our accounts are designed to help you save and manage your money effectively. If you're planning to buy a new car or refinance your existing vehicle, our auto loans and vehicle financing programs make it easy and affordable. For those considering home ownership or looking to refinance an existing mortgage, our mortgage loans offer competitive rates that fit your budget. Do you have unexpected expenses or want to consolidate debt? Our personal loans can provide the financial support you need to get back on track. And don't forget about our credit cards with rewards; they not only help build your credit but also give you perks for everyday purchases.

Visit Us Today!

Whether you're stopping by for a simple transaction or exploring more complex financial solutions, our team at Heritage South Community Cu is here to assist you every step of the way. We invite you to reach out at 615-410-2027 or visit us in person during our lobby hours: Monday through Friday from 8:30 a.m. to 5 p.m., and Saturdays from 8:30 a.m. to 12 p.m. Explore all the ways we can support your financial journey today! For more information about our services or to open an account online, please visit our website. We look forward to serving you!

Digital & Online Banking

Key Features

With our 24/7 Online Banking Services, you have the freedom to check balances, transfer funds, and pay bills whenever it suits you. You can even take advantage of E-Statements, allowing you to receive your account statements electronically. This not only reduces paper clutter but also enhances security by keeping your information safe. Need to send money to a friend? Our Person-to-Person Transfers make it quick and easy to send funds directly from your account without any hassle. Plus, for those who prefer making payments with their smartphones, our Mobile Payments Feature lets you pay securely using just your phone. For members who are always on the move, we offer a convenient Mobile Application. With this app, you can manage your accounts right from your device, ensuring that you never miss a beat. And if you ever need to sign documents digitally, our Electronic Signature Authorization simplifies the process so you can complete transactions quickly and securely. Your financial data is important to us. That's why all our online services prioritize security while remaining easy to navigate. Managing your money has never been more accessible or efficient. At Heritage South Community Cu, we're committed to providing tools that empower you. Experience the convenience of modern banking with us today!

Financial Strength

At Heritage South Community Cu, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to providing you with the best services while ensuring our financial health is strong and robust. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $52,921,751, we maintain strong 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. 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. 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 lending capacity supports members' financial goals across various sectors with $54,590 in used auto loans and $243,491,346 in total loans and leases. Our operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. 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. Net Shares (Funds available for lending and investments): $0. Total Share Accounts: 62,029, showing a strong and growing member base that trusts us with their finances. 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 1115 Dr Martin Luther King Blvd Murfreesboro TN 37130 or call 615-410-2027 to learn more about how we can help you achieve your financial goals.

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. We provide financing options for both new and used vehicles, ensuring you have the flexibility you need. Plus, refinancing options are available if you're looking to lower your current payments.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $13,288,570. Our team is ready to assist you through each step of the process, ensuring you feel comfortable and informed about your decisions.

Other Loan Options

In addition to auto and mortgage loans, we provide various personal loan options for those needing assistance with debt consolidation or other personal finance needs. Our total credit lines amount to $65,236,572, offering added flexibility for managing larger purchases or emergencies. For business owners looking for growth opportunities, our outstanding commercial loans totaling $33,051,743 provide the capital needed to expand operations or invest in new projects. To explore all our loan offerings or inquire about eligibility options tailored to your situation, feel free to visit us at 1115 Dr Martin Luther King Blvd, Murfreesboro TN 37130, or give us a call at 615-410-2027. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. No matter what stage you're at in your financial journey, Heritage South Community Credit Union is here to support you every step of the way!

Unsecured Credit Card Loans

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 can help you handle daily expenses or unexpected costs without the burden of secured debt.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons through data sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This approach is based on the latest results (Source: https://www.ncua.gov), guaranteeing that users receive fair and transparent offers.

Heritage South Community Cu