All GHFCU Branches and Call Center will be opening late on Tuesday, April 29th at 1pm for employee appreciation and training
Important Notice for GHFCU Cardholders! 🚨
Big changes are coming to your GHFCU Visa® Credit, Debit, and ATM cards, including a new rewards program, updated contact numbers, and a brand-new credit card! Learn More
GHFCU 2025 SCHOLARSHIP PROGRAM
We are now accepting scholarship applications from High School Seniors who are a member or are the dependent of a member! All applications are due by May 5, 2025. Click here for more details and to apply!

GHFCU YOUTH COLORING CONTEST
In honor of April being National Youth Credit Union Month let your child unleash their creativity! Georgia Heritage FCU is hosting a coloring contest from April 7th to April 30th for all youth members with a GHFCU account. Three lucky winners – one from each age group – will receive a $50 deposit into their Youth Savings Account. Visit our Coloring Contest page to learn more and get started!

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Securing Your Holiday Finances with Our Christmas Club Savings Account

Nov 17, 2023

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A young couple and their child are looking at candy

The holiday season is a time for joy, festivities, and spending quality moments with loved ones. However, it can also be a financially stressful period for many of us. To ensure that your holiday expenses don’t come as a surprise this year, Georgia Heritage Federal Credit Union offers a unique financial solution – the Christmas Club Savings Account. In this blog, we’ll explore the many benefits of this account and how it can help you plan, save, and enjoy your holiday season without breaking the bank.

Planning for a Stress-Free Holiday Season

The Georgia Heritage Federal Credit Union Christmas Club Savings Account is designed to help you plan for your holiday expenses in advance. Unlike traditional savings accounts, this specialized account allows you to set aside money throughout the year, so when the holiday season arrives, you’re well-prepared to tackle your expenses.

Dividends

One of the fantastic features of the Christmas Club Savings Account is that it doesn’t just help you save; it helps you grow your savings. The account earns dividends, similar to savings accounts. This means that your money isn’t just sitting there – it’s working for you, generating additional funds to enhance your holiday budget.

Added Perks of the Christmas Club Savings Account

Here are some additional benefits that make this account even more enticing:

  1. Flexible Contributions: You can contribute as much and as often as you like, giving you full control over your savings strategy.
  2. Dividend Payouts: Dividends are paid at the time of transfer in October, ensuring your savings grow throughout the year.
  3. No Minimum Balance Requirement: You don’t need to maintain a minimum balance in your Christmas Club Savings Account, making it accessible to everyone.
  4. No Monthly Service Fees: Say goodbye to monthly maintenance fees. This account is designed to help you save, not spend.
  5. Quarterly Statements and E-Statements: Stay informed about your savings progress with regular statements, and opt for e-statements for convenience.
  6. Convenient Banking: Access your account through online, mobile, and telephone banking for ease of use.
  7. Extensive Shared Branch Network: You can access your account at more than 5,500 CO-OP shared branches, ensuring you’re never far from your funds.
  8. NCUA Insured: Your Christmas Club Savings Account is NCUA insured up to $250,000, providing peace of mind about the safety of your savings.
  9. Early Withdrawal Option: While it’s best to let your savings grow throughout the year, the account does offer early withdrawal options for unexpected needs, although fees may apply.

Start Saving Today

The best time to start saving for the holidays is now. By opening a Christmas Club Savings Account with Georgia Heritage Federal Credit Union, you’ll be on your way to a stress-free holiday season. This account is not only about saving money; it’s about investing in the happiness of your family and friends during the most wonderful time of the year.