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Old Hickory Credit Union

Making a Positive Difference in our Neighbors' Lives


Nashville Credit Unions

Credit Union Nashville TennesseeNashville credit unions understand that you spend a lot of money to pay different bank charges such as minimum balance charge, checking account fees, monthly account maintenance, and ATM withdrawal fees. If you are looking for non-bank options to deposit your money, you may try Nashville credit unions like Old Hickory Credit Union.

About Old Hickory Nashville Credit Unions

A member-owned, not-for-profit financial cooperative, our institution was founded in 1934. As one of the many Nashville credit unions, we offer different financial assistance for our members such as checking accounts, savings accounts, loans, mortgages, and insurance.

Eligibility to Join Old Hickory Credit Union, One of the Many Nashville Credit Unions

People who live, work, and worship in Davidson, Sumner, Robertson, and Wilson counties are eligible to join Old Hickory Credit Union, one of the many Nashville credit unions. Membership for Nashville credit union is also open for residents and workers in Smyrna and La Vergne communities. 

Employees from Old Hickory Credit Union’s Select Employee Groups are also welcome to join. Those who are married or related to a current member may also join Nashville credit unions. Interested members can open a savings account with an initial deposit of $25.

Why Choose Nashville Credit Unions Over Banks?

A Nashville credit union will aim to educate its members on how to be more financially independent and impart the value of saving money. Here are some advantages of joining Nashville credit unions instead of investing money in banks:

  • Nashville Credit Unions Are More Approachable Compared to Banks

Some big banks appear too formal and elusive. In contrast, expect a friendlier atmosphere whenever you transact business with Nashville credit union since these financial cooperatives are smaller compared to regular banks.

Employees from Nashville credit unions can focus better on the needs and concerns of their members. They will work with you to simplify your transactions and help you reach your financial targets. By having a more personable atmosphere, Nashville credit unions offer higher customer satisfaction than most banks. 

  • Nashville Credit Unions Are Community Based

Nashville credit unions have a deeper connection to your local area since they are operated and owned by members of the community such as retired company employees, military personnel, and farmers. These cooperatives are made to benefit its members who live or work within the community.

  •  Members of Nashville Credit Unions Are Owners, Not Customers

Unless you’re a big shot investor, you’ll be treated just like any other ordinary customer in banks. With Nashville credit union, every member is a part owner, which means you are entitled to voting rights and dividends. Therefore, decisions made by Nashville credit unions will benefit every member.

  • Nashville Credit Unions Offer Lower Rates

Members of Nashville credit unions tend to earn bigger with their deposits and the cooperative’s lower loan rates. With their competitive rates, these institutions are more worthwhile to invest in than banks.

Although they are not a for profit business, Nashville credit unions do earn money. However, instead of benefiting only a few, they pass on their profits to every business member in the area. The difference between a Nashville credit union and banks is that credit unions are not pressured to collect money from their banking members.

  • Nashville Credit Unions Offer Online and Mobile Services

Similar to banks, financial cooperatives like Old Hickory Credit Union have steady online and mobile services. These features make it easy for our members to review their account statements, pay their dues, or transfer money with just a touch of their finger.

Contact Nashville Credit Unions Like Us Today

If you are interested in becoming a member of Nashville credit unions, turn to Old Hickory Credit Union. Contact us at (615) 847-4043 or info@ohcu.org to learn more about our membership rules.

With our assistance, members of Nashville credit unions will have a secure and reliable place for their financial needs. Visit our website at www.ohcu.org to check our other services. You may also send us an email at questions@ohcu.org. We look forward to serving you.

Old Hickory Credit Union - Nashville Credit Unions

Old Hickory Credit Union in Nashville is a nonprofit and a member-owned financial cooperative established in 1934. Federally insured and state-chartered, we are a local bank that is here to make financial services affordable to our members in the Nashville area. 

Membership for Old Hickory Credit Union - Nashville Credit Unions

Here are the people who are eligible to join our credit union:

  • Residents, workers, and churchgoers from the counties of Davidson, Sumner, Robertson, and Wilson, as well as those from the Smyrna or La Vergne communities
  • Employees who work under one of our Select Employee Groups
  • People who are married to or related by blood to any of our existing members

With an initial deposit of $25, you can open a savings account with us. If you maintain your account, your minimum deposit ensures your lifetime membership.

Banking With Old Hickory Credit Union - Nashville Credit Unions

  • Checking Accounts

To serve the different needs of our clients, we offer various options for checking accounts, including:

  • Basic Checking. This account needs a minimum daily balance of $100.
  • Green Checking. There is no maintaining balance or monthly service fee needed.
  • Student Free Checking. Designed for members who are 13 to 26 years old, the Student Free Checking account has no minimum balance or monthly service fee requirement.
  • My Way Senior Checking. This checking account, eligible to members 55 years and older, can earn dividends for account holders. It has no maintaining balance requirement or monthly service fee.
  • Premier Dividend Checking. Holders of this account may earn a higher rate of dividends. This checking account also has no maintaining balance needed or a monthly service fee.

The following features are included in all of our checking accounts:

  • Unlimited check-writing privileges
  • Overdraft protection from savings
  • ATM/debit card services
  • Online and mobile banking
  • Direct deposit availability
  • Savings Accounts

Here are some types of savings accounts we offer to our members:

  • Basic Savings Accounts. For this account, you need a $25 minimum balance. You can have unlimited deposits and up to five free withdrawals every quarter. Earn dividends with this savings account.
  • Health Savings Account. You may use this account for medical expenses. This account is safe from federal taxes if utilized by the principal holder, spouse, or dependents for qualified medical spending.
  • Share Certificates. You may get Share Certificates for a six-month term or longer.
  • Christmas Club Accounts. Members can make unlimited deposits in this savings account. The funds are transferred to account holders’ main savings accounts around October 15 every year.
  • Vacation Club Accounts. Enjoy unlimited deposits annually with this savings account. Money deposited into a Vacation Club account is transferred into the main savings account around May 15 each year.
  • Youth Accounts

Teaching young people about saving money and spending wisely can help them become responsible with their finances in the future. To help our members educate their children on financial responsibility, we offer the Save-A-Saurus and the Student Free Checking accounts.

Loans With Old Hickory Credit Union - Nashville Credit Unions


Consumer Loans

  • Personal Loans. Get Signature Loans, Vacation Loans, or Personal Lines of Credit with various financing options. Your credit score, loan type, and loan term will determine the rates.
  • Auto Loans. Are you looking to buy a car, truck, or van? We can help. Our auto loans have competitive rates. Note that rates may vary depending on your credit scores as well as term and age of collateral. You may also choose from our loan terms that range from one to seven years. Apart from automobiles, we also offer financing for motorcycles, boats, and RVs.

Mortgage Loan

Enjoy our low mortgage fees for our loan products such as First Mortgages and Home Equity Loans. We offer reasonable interest rates and closing costs. Note that loans will go through the approval process. Restrictions may also apply.

Get in Touch With Us - Nashville Credit Unions

If you are interested in joining a financial cooperative, turn to Old Hickory Credit Union. To learn more about our services, call us at (615) 847-4043 or our toll-free hotline at (800) 998-4043. You may also email us at questions@ohcu.org. We are looking forward to making a positive difference in the lives of our members.