A: This year we are providing members who qualify a Christmas Loan. You do need to be a member of Heritage South to benefit from this loan program. To join, come by our office and open a share/savings account with at least $5 and pay your one dollar membership fee. Anyone who lives, works, worships or attends school in Rutherford, Bedford or Marshall Counties is eligible to join. Once you are a member, you can apply for a Christmas Loan. This special loan program can provide you up to $2,000. You would repay the loan with payments over 12 months, at a rate 1% below your normal signature loan rate (which can be calculated when you join the credit union). Rates are determined by credit scores of the member. To prepare for next year's holiday expenses, be sure to ask about our 2014 Christmas Club program.