A: Being a member of a credit union can be a good alternative when you want to save money and explore all possible loan options. Our credit union is community chartered, which means that anyone who lives, works, worships or attends school in Bedford, Marshall or Rutherford County can join. You are required to have a share/savings account when you join, and pay a $1 membership fee. This makes you a member of the credit union and eligible for other services provided if you meet credit requirements. Membership in a credit union means you become an owner of the credit union. Our board of directors is made up of members who serve as volunteers. With our free internet and mobile banking, our members are quickly choosing Heritage South as their primary financial institution due to convenience and good rates. If you would like more information about membership, don't hesitate to call us.