Heritage South CU Smyrna TN | Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to Heritage South Community Credit Union, where your financial journey matters to us! Located at 941 Sgt Asbury Hawn Way, Smyrna, TN 37167, we have proudly served our community since 1957. With a total membership of 33,870 and assets reaching an impressive $334,285,700, we are committed to providing personalized banking solutions tailored to your needs. At Heritage South, we believe in building strong relationships with our members. Our dedicated team of 86 employees, led by CEO Laura Parham and Board President Ken Malone, is here to assist you every step of the way. Whether you're looking for auto loans, savings accounts, or business services, we've got you covered. While members can visit us at our branch in Smyrna, official correspondence should be sent to our mailing address at P.O. Box 81, Smyrna, TN 37167. With total loans amounting to 18,832 and deposits totaling $20,185,639, we ensure that your money is not only safe but also working hard for you. With a net worth of $52,921,751 and cash readily available at $4,425,199, we stand strong in our mission to support our members financially. We invite you to explore the various services we offer like online banking and mobile payments designed to make your banking experience as smooth as possible. Discover how we can help you achieve your financial goals today! Feel free to call us at 615-995-7070 for more information or visit our website at heritagesouth.org to learn more about becoming a member or opening an account. Let's build a brighter financial future together!

Branch History & Mission

Heritage South Community Credit Union has been a cornerstone of financial support in Smyrna, TN, since its establishment in 1957. With over six decades of service, we have grown alongside our community, building a strong legacy rooted in trust and commitment to our members. Located at 941 Sgt Asbury Hawn Way, near local landmarks that make Smyrna vibrant, we are more than just a financial institution; we are your neighbors dedicated to helping you achieve your dreams. As we evolved, so did our services. From humble beginnings, Heritage South has expanded its offerings to include personal banking options like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Today, we proudly serve 33,870 members with total assets exceeding $334 million. Our mission is simple yet profound: to provide accessible financial solutions while fostering a sense of community and support for every member. At Heritage South, we believe in the power of community. Our efforts extend beyond traditional banking; we actively participate in outreach programs and partnerships that uplift those around us. We strive to create a welcoming environment where everyone feels valued and empowered. Whether you need assistance with a loan or guidance on financial planning, our dedicated team is here to assist you every step of the way. Our branch operates with convenience in mind, featuring lobby hours from 8:30 AM to 5 PM (Monday - Friday) and extended drive-thru hours on weekends. We also offer ATM availability for quick access to your funds whenever you need them. While members can visit us at 941 Sgt Asbury Hawn Way, official correspondence should be sent to P.O. Box 81, Smyrna, TN 37167. In an age where technology plays a crucial role in banking, Heritage South has embraced digital advancements to ensure our members have access to modern banking solutions. Our online banking platform and mobile app make managing your finances easier than ever while remaining compliant with ADA standards for accessibility. Join us at Heritage South Community Credit Union and experience the difference that comes from being part of a community-focused credit union. Together, let's build a brighter financial future for all! For more information or to open an account today, visit heritagesouth.org or call us at 615-995-7070.

Branch Location & Accessibility

Welcome to Heritage South Community Credit Union! Conveniently located at 941 Sgt Asbury Hawn Way in Smyrna, TN, our branch is here to serve you. Whether you're stopping by for a quick transaction or exploring our wide range of financial services, you'll find us nestled near local favorites and essential landmarks that make your visit easy and enjoyable. At Heritage South, we understand the importance of accessibility. Our branch features ADA-compliant facilities, including ramps and designated parking, ensuring everyone can visit us comfortably. Plus, our drive-thru banking service allows for quick and convenient transactions without leaving your vehicle. We are proud to offer a variety of services tailored to meet your banking needs. From personal checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Need cash? Our ATM is available for your convenience, offering easy access to withdrawals and balance checks. Our friendly team is ready to assist you 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 on the go, our drive-thru is open Monday through Thursday from 7:30 a.m. to 5 p.m., and Fridays until 5:30 p.m., providing flexibility for your busy schedule. While members can visit us at 941 Sgt Asbury Hawn Way Smyrna Tn 37167, official correspondence should be sent to P.O. Box 81, Smyrna, TN 37167. For any questions or assistance, don't hesitate to call us at (615) 995-7070. We invite you to stop by Heritage South Community Credit Union today! Experience our welcoming atmosphere and discover how we can help you achieve your financial goals.

Member Eligibility

At Heritage South Community Cu, we believe that everyone deserves a chance to be part of a caring and supportive financial community. Becoming a member is easy and welcoming! If you live, work, worship, or attend school in Rutherford County, or are related to someone who does, you're likely eligible to join us. Our membership isn't just about banking; it's about being part of something bigger where you can access personal banking services, loans, and financial guidance tailored just for you. For detailed eligibility criteria, feel free to visit our website at this link. Once you're ready to take the next step, opening an account with us is straightforward. You can find all the information you need on how to get started by visiting this page. If you have any questions or want to chat about membership options, don't hesitate to call us at 6159957070. Join us at our branch located at 941 Sgt Asbury Hawn Way in Smyrna, TN 37167, and let's build your financial future together!

Business Banking & Commercial Services

Lending Solutions for 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.

Practical Merchant Services

Imagine having tools that simplify your transactions and help you serve customers better. Our merchant services are designed to streamline payment processing so you can focus on what matters most running your business. Whether it's accepting credit cards or managing online payments, we provide the support you need to enhance your customer experience. Discover how Heritage South Community Cu, located at 941 Sgt Asbury Hawn Way Smyrna Tn 37167, can be your partner in success. Reach out today at (615) 995-7070 to learn more about our business banking solutions!

Comprehensive List Of Services

Accessibility Made Easy

For members who prefer face-to-face interactions, our branch offers basic drive-thru banking for deposits, withdrawals, and simple transactions. The friendly staff at our Smyrna location is always ready to assist you with any questions or needs you may have. We invite you to explore all that Heritage South Community Cu has to offer at our branch located at 941 Sgt Asbury Hawn Way, Smyrna, TN 37167. Feel free to give us a call at 615-995-7070 if you have any questions about how we can help you achieve your financial goals. Discover more about our services and how we can assist you by visiting our website or stop by today! Your journey toward better financial health starts here at Heritage South Community Cu!

Business Banking Solutions

At Heritage South Community Cu, we recognize the importance of supporting local businesses. Our Business Banking services include essential offerings like Merchant Services & Business Loans, which can help streamline operations and fuel growth. We aim to empower entrepreneurs with the financial solutions they need to succeed.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking features that allow you to manage your finances anytime, anywhere. From checking your balance and transferring funds to paying bills and making mobile payments, everything is at your fingertips. Need cash on the go? Our ATM services provide easy access for withdrawals and balance checks.

Loans Tailored for You

When it comes to financing, we provide various loan options to fit your lifestyle. If you're dreaming of a new car, our Auto Loans & Vehicle Financing can help make it a reality without breaking the bank. For those considering homeownership or looking to refinance an existing mortgage, our Mortgage Loans & Refinancing options are designed with competitive rates to fit your budget. Need extra cash for unexpected expenses? Our Personal Loans & Debt Consolidation services can assist you in managing your debts more effectively. Plus, our Credit Cards with Rewards allow you to earn benefits while making everyday purchases.

Personal Banking Services

We understand that managing your day-to-day finances can be challenging. That's why we offer comprehensive Personal Banking services, including both Checking & Savings Accounts. With our accounts, you can easily track your spending and save for those important goals. Imagine having a savings account that helps you build an emergency fund or a checking account that simplifies your transactions both are just a visit away!

Digital & Online Banking

Accessible and User-Friendly

Whether you're tech-savvy or just getting started with digital banking, our user-friendly interface makes navigating through your accounts a breeze. You can view transactions in real-time and gain insights into your spending habits all designed to help you manage your money more effectively. Join us at Heritage South Community Cu and experience the freedom that comes with modern banking solutions. We are committed to providing you with secure, easy-to-use services so you can focus on what matters most in life.

Key Features of Our Digital Banking Services

Our online banking service is available 24/7, allowing you to check balances, transfer funds, and pay bills whenever it suits you. No more rushing to the bank before closing time! Plus, for added convenience, our mobile application lets you carry all these features in your pocket, making banking on the go easier than ever. With the ability to send money to friends or family through person-to-person transfers, managing your finances has never been simpler. You can also take advantage of electronic signature authorization sign documents from the comfort of your home without needing to visit a branch. We know that security is a top priority for our members. That's why we offer e-statements that not only help reduce paper clutter but also provide an extra layer of security when managing your accounts online. And if you prefer using mobile payments, we've got you covered! Easily make purchases directly from your smartphone while keeping your financial information safe.

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 proud to share our strong financial standing with you, as it reflects our commitment to serving your needs effectively. 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. 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 $54,459 in used auto loans and a total of $243,491,346 in 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, committed team. Total Share Accounts stand at an impressive 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 941 Sgt Asbury Hawn Way Smyrna TN 37167 or call us at 615-995-7070 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.

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, making it easy for you to choose what fits your budget best.

Business Loans

For business owners, our outstanding commercial loans totaling $33,051,743 provide the capital needed to grow and expand. These loans are tailored to meet the unique challenges faced by businesses today. In addition to these products, we also offer refinancing options and eligibility assessments to ensure you find the best fit for your financial situation. For more information on these services or to get started with your application process, feel free to contact us at 615-995-7070 or visit us at our branch located at 941 Sgt Asbury Hawn Way Smyrna TN 37167. 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 how our loan offerings can help you achieve your financial goals today!

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're a first-time homebuyer or looking to refinance an existing mortgage, our team is ready to assist 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. This option allows you to make purchases without collateral while enjoying competitive rates.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures 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), ensuring fair and transparent offers. By using verified data from legitimate financial institutions, LendMesh guarantees that users receive accurate information without hidden agendas.

Heritage South Community Cu