Credit union · NCUA insured
Heritage South Savings Rates
Top CarrotHeritage South’s best savings rate is 1.05% APY on $10,000, with its Gold Share Money Market Account. Rates checked October 15, 2026.
How Heritage South’s savings 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
1.05%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $105
Gold Share Money Market Account
Top rate
SmartBank
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
Republic Bank
3.75%APY
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000 a year
- $375
Heritage South savings score
86
Savings score
Higher than 72% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0001.05%
- $100,000 balance$100,0001.41%
- QualifiedQualified1.05%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Gold Share Money Market Account
1.05%APY
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, and immediate family of current members ($1 one-time membership fee and $5 deposit in share savings required). Account allows up to 3 checks and 3 over-the-counter withdrawals or transfers per month. Dividends are paid monthly based on the previous month's declared dividend rate and are subject to change monthly. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $10,000 | 0.85% | — |
| $10,000 – $50,000 | 1.05% | $105 |
| $50,000 – $100,000 | 1.21% | — |
| $100,000 – $200,000 | 1.41% | — |
| $200,000 and up | 2.78% | — |
RoundUP
0.25%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate disclosed is the previous quarter's declared dividend rate, subject to change quarterly.Any balance | 0.25% | $25 | Rate disclosed is the previous quarter's declared dividend rate, subject to change quarterly. |
Sources (1)
- heritagesouth.org/savings-chec…e-accounts/deposit-rates · captured Sep 18, 2026
Share (Savings)
0.25%APY
Open to members who live, work, worship, or attend school in Bedford, Marshall, Rutherford, Cannon, or Maury counties or the cities of Tullahoma, Manchester, Winchester, Decherd, or Fayetteville, and immediate family of current members. Requires a $1 one-time membership fee. $5 minimum balance required to keep the account active. Dividends are declared by the Board of Directors, calculated through the last day of the quarter, and paid quarterly on the first day of the following quarter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upQuarterly dividend rate subject to change quarterly; rate reflects previous quarter's declared rate. $5 minimum deposit required to open.$5 and up | 0.25% | $25 | Quarterly dividend rate subject to change quarterly; rate reflects previous quarter's declared rate. $5 minimum deposit required to open. |
Special-purpose accounts
Christmas Club
0.25%APY
Rates and dividends are calculated the same as all other share accounts. Saved funds are transferred to the member's share/savings account around the middle of October.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate disclosed is the previous quarter's declared dividend rate, subject to change quarterly.Any balance | 0.25% | $25 | Rate disclosed is the previous quarter's declared dividend rate, subject to change quarterly. |
Sources (3)
- heritagesouth.org/savings-checking
- heritagesouth.org/savings-checking/compare-accounts
- heritagesouth.org/savings-chec…e-accounts/deposit-rates
All captured Sep 18, 2026
Individual Retirement Accounts Accumulation Account
0.25%APY
IRA savings accumulation account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate disclosed is the previous quarter's declared dividend rate, subject to change quarterly.Any balance | 0.25% | $25 | Rate disclosed is the previous quarter's declared dividend rate, subject to change quarterly. |
Sources (1)
- heritagesouth.org/savings-chec…e-accounts/deposit-rates · captured Sep 18, 2026
Special Club
0.25%APY
Can be designated to save for specific purposes (such as vacation, taxes, education, etc.). No minimum amount required to keep active, and dividends are paid the same as a regular share account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate disclosed is the previous quarter's declared dividend rate, subject to change quarterly.Any balance | 0.25% | $25 | Rate disclosed is the previous quarter's declared dividend rate, subject to change quarterly. |
Sources (2)
- heritagesouth.org/savings-checking/compare-accounts
- heritagesouth.org/savings-chec…e-accounts/deposit-rates
All captured Sep 18, 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.