Credit union · NCUA insured
Heritage South CD Rates
Top CarrotHeritage South’s best CD rate is 3.65% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Heritage South’s CD rates compare
Compared with banks and credit unions near Nashville, TN, where Heritage South has the most branches. $10,000, best rate first.
This credit union’s best
Heritage South
3.65%APY
- Term
- 12 months
- Minimum
- $100
- Earns on $10,000
- $365
Share Certificate Accounts
Top rate
TEN Credit Union
4.50%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $260
2nd-highest rate
City National Bank
4.39%APY
- Term
- 12 months
- Minimum
- $2,500
- Earns on $10,000
- $439
Heritage South CD score
75
CD score
Higher than 39% of U.S. banks and credit unions
- 3–8 months3–8 mo3.43%
- 9–15 months9–15 mo3.65%
- 16–30 months16–30 mo3.29%
- 31–60 months31–60 mo3.39%
- QualifiedQualified3.65%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Heritage South ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate Accounts
Up to 3.65%APY · 5 terms
Dividends are compounded quarterly, except certificates with terms under one year which are paid at maturity. Substantial penalty for early withdrawal. Automatically renewed at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends paid at maturity for terms under one year | 3.43% | $170 |
| 12 months | 3.65% | $365 |
| 24 months | 3.29% | $669 |
| 36 months | 3.39% | $1,052 |
| 60 months | 3.39% | $1,814 |
Sources (2)
- heritagesouth.org/savings-checking/compare-accounts
- heritagesouth.org/savings-chec…e-accounts/deposit-rates
All captured Oct 5, 2026
Special-purpose accounts
"Happy Birthday Money" Certificate Accounts
3.65%APY · 1 term
Limit one Happy Birthday Certificate per member. Owner must have a Chipmunk, Squirrel, or Teen Cache account on issue date; if closed or nonexistent, rate reduces to standard 1-year rate. Early withdrawal penalty applies.
| Term | APY · $100 – $500 | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsFunds above $500 earn dividends at the prevailing dividend rate of the standard one-year certificate | — | 3.65% | 3.65% | $365 |
| 12 monthsSpecial rate applies on balances from $100 to $500 | 3.00% | — | —3.00% $100–$500 | — |
Sources (1)
- heritagesouth.org/savings-chec…e-accounts/deposit-rates · captured Oct 5, 2026
IRA Share Certificate Accounts
Up to 3.65%APY · 4 terms
Heritage South offers Traditional, Roth, and Education IRA share certificates with set maturities from one to five years. Rates are the same as those on regular share certificates, and dividends are compounded quarterly. Substantial early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.65% | $365 |
| 24 months | 3.29% | $669 |
| 36 months | 3.39% | $1,052 |
| 60 months | 3.39% | $1,814 |
Sources (2)
- heritagesouth.org/savings-checking/compare-accounts
- heritagesouth.org/savings-chec…e-accounts/deposit-rates
All captured Oct 5, 2026
Who can join Heritage South
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.