Heritage South CU Shelbyville TN | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Heritage South Community Credit Union, your trusted financial partner located at 763 N Main St, Shelbyville, TN 37160. Since our establishment in 1957, we have proudly served our community, growing to a membership of over 33,870 individuals who rely on us for their banking needs. With total assets exceeding $334 million and total deposits of $20,185,639, we are committed to providing robust financial solutions tailored to your unique needs. As a member-focused institution, we offer a range of services from personal banking such as checking and savings accounts to auto loans and mortgages. Our commitment extends beyond just transactions; we're here to build lasting relationships with every member. Whether you're seeking assistance with vehicle financing or looking to consolidate debt, our experienced team is ready to help you navigate your financial journey. While members can visit us at our branch for direct assistance, please note that official correspondence should be sent to our mailing address: P.O. Box 1219, Shelbyville, TN 37162. Our dedicated staff of 86 employees, led by CEO Laura Parham and Board President Ken Malone, is here to ensure that you receive the best service possible. We invite you to explore everything we have to offer by visiting our website at heritagesouth.org or giving us a call at 931-684-3596. Experience the difference that community-driven banking can make in your life today!

Branch History & Mission

Looking Ahead

As technology evolves, so do we. Our commitment to digital advancements ensures that members can access their accounts anytime through online and mobile banking options. We also maintain ADA compliance so that all individuals can enjoy our services without barriers. If you're looking for a financial partner that values your needs and invests in your community's future, consider joining Heritage South Community Credit Union today. Explore our services online at heritagesouth.org or visit us at our branch location. Together, let's build a brighter financial future!

Our Mission

At Heritage South, our mission is clear: we aim to provide our members with accessible financial services while fostering community growth and well-being. We understand that financial decisions can be overwhelming, which is why we strive to offer personalized solutions that empower individuals and families alike. From checking and savings accounts to auto loans, mortgage services, and credit cards with rewards, we are dedicated to helping our members achieve their financial goals. Our approach goes beyond traditional banking; we actively engage in community outreach initiatives that make a real difference in the lives of those around us. Whether it's providing financial education or supporting local events, we believe in giving back to the community that supports us.

Branch Location & Accessibility

Welcome to Heritage South Community Cu, located at 763 N Main St in the heart of Shelbyville, TN! We're proud to serve our members from this convenient location, making your banking experience accessible and enjoyable. Whether you're popping in for a quick transaction or need assistance with a loan, our friendly staff is ready to help you. Our branch is easy to find, nestled near local landmarks that many residents know well. If you're visiting us for the first time, you'll appreciate the ample parking available right outside. Plus, we've made sure our building is ADA compliant, so everyone can access our services comfortably. When it comes to convenience, we've got you covered. Our lobby hours are Monday through Friday from 9 a.m. to 4:45 p.m., with extended drive-thru hours on weekdays starting at 7:30 a.m. and closing at 5:30 p.m. on Fridays. We even have Saturday hours from 8:30 a.m. to noon for those who need a little extra flexibility in their schedule. If you're in need of cash or want to make a deposit after hours, don't worry our ATM is available for your convenience! And if you prefer the ease of drive-thru banking for deposits and withdrawals, we offer that service too. While members can visit us at 763 N Main St Shelbyville Tn 37160, official correspondence should be sent to P.O. Box 1219, Shelbyville, TN 37162 if needed. Have questions or want more information? Don't hesitate to give us a call at (931) 684-3596! We look forward to welcoming you at Heritage South Community Cu where your financial needs come first.

Member Eligibility

Becoming a member of Heritage South Community Cu is like joining a warm, welcoming family that truly cares about your financial well-being. If you live, work, worship, or attend school in the areas we serve, you're already on your way to membership! Whether you're looking for personal banking options, auto loans, or simply want to feel part of a community that values you, we're here for you. The eligibility criteria are designed to be inclusive and straightforward just check out more details on our website at http://www.heritagesouth.org/membership. Opening an account with us is just as easy! You can start the process online or give us a call at (931) 684-3596 if you have any questions. Our friendly staff is ready to assist you in making this journey smooth and enjoyable. Don't hesitate become part of the Heritage South Community Cu family today and experience the benefits of community-driven banking right at our branch located at 763 N Main St Shelbyville Tn 37160! For more information about opening an account, visit http://www.heritagesouth.org/open-account.

Business Banking & Commercial Services

Loan Options 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. - With an outstanding commercial loan portfolio of $33,051,743, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Simplify Transactions

In today's fast-paced environment, efficient payment solutions are crucial. Our merchant services offer practical tools that help streamline transactions, making it easier for you to serve your customers. Imagine being able to accept payments anytime, anywhere whether it's at your storefront or on-the-go. With our solutions, you can focus on what you do best: growing your business. Visit us at 763 N Main St Shelbyville Tn 37160 in Shelbyville, TN, or call us at (931) 684-3596 to discover how we can support your business banking needs today!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

With convenient ATM access, withdrawing cash or checking your balance is hassle-free. You can rely on us for quick transactions whenever needed.

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our competitive auto loans and vehicle financing options make it easier for you to drive away in the vehicle you desire. We work with you to find the best rates and terms so you can feel confident about your purchase.

Business Banking

For our entrepreneurial members, we offer robust business banking services, including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our team is here to support your business goals.

Credit Cards with Rewards

Our credit cards with rewards offer more than just purchasing power; they provide benefits that suit your lifestyle. From cash back on everyday purchases to travel rewards, you can earn while you spend.

Drive-Thru Services

For those days when you're on the go, our basic drive-thru banking allows for quick deposits, withdrawals, and other simple transactions without leaving your car. At Heritage South Community Cu, we're dedicated to making banking easy and accessible for all our members. With a variety of services tailored just for you, achieving your financial goals is within reach. If you're ready to get started or have questions about what we offer, don't hesitate to contact us at 931-684-3596 or visit us in person! Your financial future starts here!

Mortgage Loans & Refinancing

When it comes to home ownership, our mortgage loans help turn your dream into reality. Whether you're a first-time homebuyer or looking to refinance, we guide you through the process with personalized service and tailored solutions.

Online & Mobile Banking

In today's fast-paced world, managing your finances should be convenient. That's why we provide online and mobile banking features that allow you to check balances, transfer funds, pay bills, and even send money person-to-person from anywhere at any time.

Personal Banking

Whether you're just starting out or looking to manage your savings more effectively, our personal banking options have you covered. We offer checking and savings accounts that cater to various lifestyles. Imagine opening an account that not only helps you save but also provides easy online access for tracking your spending and savings goals.

Personal Loans & Debt Consolidation

Life can sometimes throw unexpected expenses your way. Our personal loans and debt consolidation services are designed to give you financial relief when you need it most. Picture consolidating high-interest debts into one manageable payment we make it simple and straightforward.

Digital & Online Banking

Key Features

With our online banking services available 24/7 at https://www.heritagesouth.org/, you can access your accounts anytime, anywhere. Need to check your balance, pay bills, or transfer money? It's all just a few clicks away. Plus, we offer electronic signature authorization for quick and secure transactions, so you can handle paperwork without the hassle of printing or mailing documents. Are you tired of waiting for paper statements? Enjoy the benefits of e-statements available now! They're not only eco-friendly but also allow you to view your financial information in real time.

Mobile Banking Made Easy

For those who prefer managing their finances on the go, our mobile application makes it easy to stay connected. With mobile payments enabled, you can make purchases using just your smartphone no cash or cards needed! Plus, our person-to-person transfer feature allows you to send money to friends and family instantly, making splitting bills or sending gifts a breeze. At Heritage South Community Cu, we prioritize both convenience and safety. Our online banking system utilizes robust security measures to keep your information safe while ensuring that managing your money is as straightforward as possible. Join us today and experience the ease of digital banking with Heritage South Community Cu!

Financial Strength

Growing Member Base

Total Share Accounts stand at 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 763 N Main St Shelbyville TN 37160 or call 931-684-3596 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

With $52,921,751 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our capacity for lending is evident with $54,459,348 in used auto loans and a total of $243,491,346 in loans and leases supporting members' financial goals across various sectors. Our operational efficiency shines through with a net income of $0, allowing 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.

Secure Savings Options

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.

Strong Capital Foundation

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 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 Loan Options

For those considering business ventures or needing capital for expansion, our outstanding commercial loans totaling $33,051,743 provide the support necessary for growth. Additionally, if you're interested in personal loans or debt consolidation options, our representatives are ready to discuss eligibility requirements and refinancing opportunities that may suit your needs. Our commitment is to help you find the right financing solution at Heritage South Community Credit Union located at 763 N Main St Shelbyville TN 37160. You can reach us at 931-684-3596 during our operating hours: Lobby Monday - Friday from 9 a.m. to 4:45 p.m., with extended Drive-Thru hours available on Fridays until 5:30 p.m. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We invite you to explore our various loan offerings and see how we can assist you in reaching your financial objectives today!

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 competitive interest rates that make it easier for you to drive home in a vehicle you love.

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. Whether you are a first-time homebuyer or looking to upgrade, our team is here to guide you through the process with personalized service.

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. Enjoy the convenience of cashless transactions while building your credit score. Plus, our rewards programs add extra value to every purchase.

Loan Aggregator

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Heritage South Community Cu