CLOSED FOR VETERAN’S DAY
All Georgia Heritage FCU Branches and Call Center will be closed on Monday, November 11th for Veteran’s Day and will reopen Tuesday, November 12th.
GHFCU IS NOW OFFERING EARLY PAY!
Early Pay makes ACH direct deposit funds available up to two days early! This service is free of charge for our members, sign-up is not required but you must have direct deposit set up. Early posting is not guaranteed, we can only post early if the file is received from the other institution.
We wish everyone a safe and Happy Thanksgiving!
We will be closed for Thanksgiving on Thursday, November 28th and Friday, November, 29th.
Happy Holidays!
We will be closing at 1:00pm on Tuesday, December 24th and we will be closed on Wednesday, December 25th for Christmas.
We hope everyone has a safe New Year!
We will be closing at 1:00pm on Tuesday, December 31st and we will be closed on Wednesday, January 1st for New Years!
Routing Number: 261271694
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Guaranteed Asset Protection

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Because Most Insurance Policies Only Cover the Value of Your Vehicle, Your Loan Balance Could Be Higher Than Your Vehicle’s Value.

Because most insurance policies only cover the value of your vehicle, your loan balance could be higher than your vehicle’s value.

GAP coverage goes into effect in the event your vehicle is totaled or stolen. Our Guaranteed Asset Protection program pays the difference between the outstanding loan balance and the actual value of the vehicle, less certain deductions.

What Does GAP Cover?

GAP was designed for all drivers, whether you finance a new or used vehicle. It covers automobiles, vans, light trucks, motorcycles, boats, travel trailers, motor homes, golf carts, jet skis, and almost any other vehicle*.

GAP covers the difference between your primary carrier’s insurance settlement and the amount of your loan, less delinquent payments, late charges, refundable service warranty contracts, and other insurance-related charges. Included in this difference is your insurance deductible, which is limited to $1,000**.

The purchase of Guaranteed Asset Protection is voluntary and cannot be required as a condition of credit approval. Guaranteed Asset Protection is a loan deficiency waiver and is not offered as insurance coverage.

(*Consult your financing representative to determine if all the above vehicle types are eligible for these benefits. **Deductible coverage is available in most, but not all, states.)

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