Credit union · NCUA insured
Heritage South
Top CarrotA $359.9M credit union headquartered in Shelbyville, TN, with 36,074 members and 6 branches in Tennessee. Best rates: CDs 3.65% and savings 1.05% APY.
Heritage South Carrot Score
Carrot ScoreTop Carrot
Higher than 81% of U.S. banks and credit unions
#11 of 44 in Nashville, TN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Heritage South
- Headquarters
- 763 N Main St, Shelbyville, TN 37160-2846
- NCUA charter
- 67748
Branches
6 branches in Tennessee
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Tennessee
6 branches
Nashville area · 2
- MLK Jr Blvd Branch1115 Dr Martin Luther King Blvd, Murfreesboro, TN 37130Directions
- Smyrna941 Sgt Asbury Hawn Way, Smyrna, TN 37167Directions
Shelbyville area · 1
- ShelbyvilleMain office763 N Main St, Shelbyville, TN 37160Directions
Fayetteville area · 1
- Fayetteville Branch4120 Thornton Taylor Pkwy Ste D, Fayetteville, TN 37334Directions
Lewisburg area · 1
- Lewisburg600 E Church St, Lewisburg, TN 37091Directions
Tullahoma area · 1
- Manchester Branch303 Hillsboro Blvd, Manchester, TN 37355Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 17.08% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.75% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.90% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $91 | $76 | — |
- CapitalNet worth ratio17.08%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.75%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.90%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$91Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Heritage South are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.