There have been recent instances of fraudsters impersonating our fraud services department in an attempt to gain access to sensitive account information for the purpose of accessing members’ accounts. When doing so, the fraudster’s call may display the credit union’s phone number. Do not give out your account information including account history, email, phone number(s) without positively knowing who you are speaking to. When in doubt, HANG UP, and DIAL the Credit Union directly at 912-236-4400.
All Georgia Heritage FCU Branches and Call Center will be closed on Monday, October 9th for Columbus Day and Indigenous Peoples’ Day, and will reopen on Tuesday, October 10th.
Routing Number: 261271694
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Guaranteed Asset Protection


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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