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!

Routing Number: 261271694
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Fair Disclosure: Reading the Fine Print

May 8, 2019

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It's important to read the fine print. Financial institutions must provide disclosures that detail facts relevant to a transaction.

You’ve heard that you should always read the fine print, but when you do, are you confident you understand what you’re reading? If you’re not sure about the content for the disclosure details, you should feel free to ask your financial adviser or a credit union associate to explain it to you.

In the meantime, here are some basic facts you should know.

By law, financial institutions are required to provide disclosures that detail all material facts relevant to a transaction. Reading them may enable you to make more informed decisions, as well as protect yourself and your finances in the future.

They are considered legal documents, and as such serve to protect the credit union as well. You should read them thoroughly when you open an account at any credit union. Make sure you understand them before signing.

As noted on the National Credit Union Association website, following are some sections in a disclosure document when you open an account through a credit union:

  • Membership or account agreement
  • Par value for one share (credit union)
  • Fee schedule
  • Electronic funds transfer policy
  • Funds availability policy
  • Privacy policy and your right to opt-out
  • Overdraft protection policy and your right to opt-in/out
  • Pledge of deposits in share accounts for any obligations owed the bank or credit union
  • Explanation of dividends, including frequency, minimum balance requirements, etc. (credit union)
  • Information on accounts with joint owners
  • Certificate of Deposits (CDs) or Share Certificates disclosure, including early withdrawal penalties

For loans and other credit transactions, the disclosure documents may include annual percentage rate, terms, grace period, fees, cross-collateralization clause, and property insurance requirements and collateral protection insurance.

Also of note is that the Equal Credit Opportunity Act applies to credit unions. This act requires credit be made available to members without regard to sex, marital status, race, national origin, age, or any other prohibited basis.

Become a Member of GHFCU

Anyone who lives, works, worships, or attends school in Chatham, Effingham, or Bryan counties in Georgia and their immediate family members may gain membership to the Credit Union.

Apply Now

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