NCUA Insured
Member-Owned
2 charter
Established in 1957
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Shelbyville, TN may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
2 charter
Established in 1957
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Shelbyville and serves members in the TN area. Currently serving 35,653 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
7.30%Used Auto Loan
9.02%Personal Loan
12.44%Credit Card APR
8.22%Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.
Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.
Lowest rates currently reported by credit unions in TN (NCUA Q4 2025).
Calhoun, TN
Johnson City, TN
Memphis, TN
Nashville, TN
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
4.3
159 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsMary Lynch
5 months ago
Danielle is the best. Made the whole process of getting an auto loan an absolute breeze! Wasn't even sure I would be able to get approved for anything, but I did, with affordable payments. She even recommended the car lot that I ended up purchasing from. If you need an auto loan go see her at Heritage South. When they say they help when others won't, they MEAN it!!
David Johnson
5 months ago
I’m a member at Hsccu and I have to say that the people who work there are fantastic people. They helped me buy my first home and the experience was as easy as it could be because of the people I dealt with. Recently I had made a transfer payment to another institution and by my mistake it was the wrong place. The customer service I dealt with to fix this mistake that I made was unmatched. I would like to thank Hsccu and mainly a financial services representative Karen Overcast. I was on the phone with her past work hours on New Year’s Eve getting this mistake I made resolved. That’s real customer service that you rarely see these days. I would recommend Hsccu to anyone for any banking needs from opening a checking account to buying a home. Great people and great service
Julian Mosquera
a year ago
I want to express my sincere gratitude to Jovanny Garcia for his professionalism and efficiency in handling my situation. Thanks to his prompt and clear approach, I was able to safely resolve a financial emergency. His commitment to service and customer service make all the difference. Thank you so much for your support!
Helen Nutley
3 months ago
Always a good and friendly experience when I go in or to the drive thru. I’m glad I picked them.
Tiffanie Bush
a year ago
Mr. Jovanny Garcia helped me out so much with bringing my car loan over to Heritage South. It was such a quick and easy process and he explained everything perfectly. He also helped my teen set up his very own bank account and spent time with him explaining things and answering all of his questions.
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(931) 680-1400Website
Visit WebsiteMembers
35,653
Total Assets
$358.2M
Year Opened
1957
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile