--- title: "Heritage South Community CU Rates (Nov 2026): CDs to 4.27%" description: "Heritage South Community CU rates today: savings & CDs up to 4.27% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Heritage South Community CU — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/tennessee/heritage-south-community-cu" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Heritage South Community CU Rates (Nov 2026): CDs to 4.27% ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **New Autos, Used Autos and All Others** auto_any | — APR | 6.850% | any | Standard | Heritage South Community CU auto & vehicle rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **36-Month Signature Loan** personal_unsecured_36mo | — APR | 10.450% | 36 mo | Standard | | **36-Month Personal Line of Credit** ploc_variable | — APR | 10.450% | 36 mo | Standard | | **Personal Line of Credit** ploc_variable | — APR | 17.500% | — | Standard | Heritage South Community CU personal loan rates as of November 12, 2026 ### Savings & CD rates 22 offers | Product | Published | Rate | Term / condition | Status | | **Balance $1,000–$4,999.99** savings | — APY | 0.05% | — | Standard | | **$5000 - And Above** savings | — APY | 0.10% | — | Standard | | **Balance $5,000 and above** savings | — APY | 0.10% | — | Standard | | **Savings** savings | 0.25% APY | 0.25% | — | Standard | | **Balance $2,500–$9,999.99** savings | — APY | 0.85% | — | Standard | | **Balance $10,000–$49,999.99** savings | — APY | 1.05% | — | Standard | | **Balance $50,000–$99,999.99** savings | — APY | 1.20% | — | Standard | | **Balance $100,000–$199,999.99** savings | — APY | 1.40% | — | Standard | | **Balance $200,000 and above** savings | — APY | 2.75% | — | Standard | | **One Year** savings | 3.00% APY | 3.00% | — | Standard | | **Two Years** savings | 3.29% APY | 3.25% | — | Standard | | **Certificate Type 2 Year Certificate** cd_24mo | 3.29% APY | 3.25% | 24 mo | Standard | | **Certificate Type 3 Year Certificate** cd_36mo | 3.39% APY | 3.35% | 36 mo | Standard | | **Certificate Type 5 year Certificate** cd_60mo | 3.39% APY | 3.35% | 60 mo | Standard | | **Three Years** savings | 3.39% APY | 3.35% | — | Standard | | **60-Month Certificate** cd_60mo | — APY | 3.39% | 60 mo | Standard | | **Six Month** savings | 3.43% APY | 3.40% | — | Standard | | **Certificate Type 6 Month Certificate** cd_6mo | 3.43% APY | 3.40% | 6 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.43% | 6 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.85% | 12 mo | Standard | | **Certificate Type 1 Year Certificate** cd_12mo | 3.85% APY | 3.80% | 12 mo | Standard | | **Certificate Type 1 Year Jumbo Certificate (Minimum $100,000)** cd_12mo | 4.27% APY | 4.20% | 12 mo | Standard | Heritage South Community CU savings & cd rates as of November 12, 2026 Savings and certificate yields up to 4.27% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/tennessee/heritage-south-community-cu) , verified from [Heritage South Community CU's official website](https://www.heritagesouth.org/) Loading branch locator… ## About Heritage South Community CU Institution facts reported to the National Credit Union Administration for Invalid Date. Members 36.1K Assets $359.9M Founded 1957 Locations reported 6 NCUA charter 67748 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Redstone** Future Shelbyville Branch Office · Shelbyville · TN · 37160-2303 Branch in the same ZIP](https://rateapi.dev/credit-unions/alabama/redstone) [**Ascend** Shelbyville · Shelbyville · TN · 37160 About 4.4 miles away](https://rateapi.dev/credit-unions/tennessee/ascend) [**Jack Daniel Employees** LYNCHBURG ELEMENTARY SCHOOL BRANCH · LYNCHBURG · TN · 37352-8327 About 13.2 miles away](https://rateapi.dev/credit-unions/tennessee/jack-daniel-employees) [**Tennessee Department of Safety** Location of Records · Lewisburg · TN · 37091 About 16.1 miles away](https://rateapi.dev/credit-unions/tennessee/tennessee-department-of-safety) [**City & County** Murfreesboro · Murfreesboro · TN · 37127 About 24.1 miles away](https://rateapi.dev/credit-unions/minnesota/city-county) [**Liberty** St Andrews Dr Rutherford Co Murfreesboro TN · Murfreesboro · TN · 37128-6683 About 24.7 miles away](https://rateapi.dev/credit-unions/indiana/liberty) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Heritage South Community CU Membership eligibility from Heritage South Community CU's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Heritage South Community CU's website. Check the membership page below to confirm whether you qualify. - Location bedford, marshall, rutherford, cannon, maury — TN Verified from [Heritage South Community CU's membership page](https://www.heritagesouth.org/membership) . Final membership determination is always made by the credit union. ## Membership rules for Heritage South Community CU Geography 5 counties · Family 2 42 published paths to membership, last verified August 27, 2026, quoted from Heritage South Community CU’s own published criteria. ### Geography 10 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Bedford County, TN - Cannon County, TN - Decherd, TN - Fayetteville, TN - Manchester, TN - Marshall County, TN - Maury County, TN - Rutherford County, TN - Tullahoma, TN - Winchester, TN “Our membership is open to anyone who lives, works, worships, or attends school in Bedford, Marshall, Rutherford, Cannon, or Maury counties or the cities of Tullahoma, Manchester, Winchester, Decherd, or Fayetteville.” > [source ↗](https://www.heritagesouth.org/membership) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling “We also grant membership to the immediate family of current members, including spouses, children, siblings, parents, grandparents, grandchildren, stepparents, stepchildren, and stepsiblings.” > [source ↗](https://www.heritagesouth.org/membership) - Family member (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling) of a member - Family of a member immediate family, spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling “We also grant membership to the immediate family of current members, including spouses, children, siblings, parents, grandparents, grandchildren, stepparents, stepchildren, and stepsiblings.” > [source ↗](https://www.heritagesouth.org/membership) - Family member (immediate family, spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Heritage South Community CU? Yes No ## Work at Heritage South Community CU? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Heritage South Community CU ranks against Tennessee peers. - See which AI assistants fetched Heritage South Community CU’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Tennessee - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=heritage-south-community-cu&state=tennessee&code=TN&name=Heritage%20South%20Community%20CU) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Heritage South Community CU offer? Heritage South Community CU currently offers Auto loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Heritage South Community CU rates updated? RateAPI verifies Heritage South Community CU's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Heritage South Community CU's rate data? Rate data is collected directly from Heritage South Community CU's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Heritage South Community CU's best CD rate? As of November 12, 2026, Heritage South Community CU offers savings and certificate (CD) yields up to 4.27% APY. ### Who can join Heritage South Community CU? Heritage South Community CU publishes its membership criteria on its own website. RateAPI tracks 42 published membership paths covering 5 counties for Heritage South Community CU, each quoted from Heritage South Community CU's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Heritage South Community CU's rates against national credit-union benchmarks. [More Tennessee credit unions](https://rateapi.dev/credit-unions/tennessee) [Tennessee auto loan rate leaders](https://rateapi.dev/auto-loan-rates/tennessee) [Tennessee personal loan leaders](https://rateapi.dev/personal-loan-rates/tennessee) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.heritagesouth.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Heritage South Community CU rates Get a free API key to query these rates programmatically, or get the daily email when Tennessee credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Heritage South Community CU curl "https://api.rateapi.dev/credit-unions/tennessee /heritage-south-community-cu " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Heritage South Community CU locations Search, filter, and browse all 6 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/tennessee/heritage-south-community-cu Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp