Holiday Help 12/12/12 Loan Special!**
Need some extra stuffing for your holiday budget? Check out our Holiday Help Loan! Borrow $1,200 – 12 Month Repayment Period – 12% ARP* Contact us for more information and to apply!
*Annual Percentage Rate **Must be a member in good standing with an account that has been opened for 90 days or longer and no active bankruptcy to apply. Rate valid as of 11/4/2024, promotion may end at any time. $50 application fee payable at time of application.
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!
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.
Routing Number: 261271694
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Georgia Heritage Federal Credit Union
Routing Number: 261271694 (912) 236-4400 Hours & Location Find an ATM
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Insurance

3
An insurance policy document

Did You Receive a Letter Requesting a Current Copy of Your Insurance?

One of the requirements of the Loan Agreement you signed with Georgia Heritage FCU is to provide comprehensive and collision coverage, homeowner’s insurance coverage, or flood insurance coverage protecting Georgia Heritage FCU’s interest for the full term of your loan. You are responsible for notifying Georgia Heritage FCU that you have this required insurance.
Frequently Asked Questions

If You Have Insurance

Before you begin, you will need your insurance declaration page and notice from Georgia Heritage FCU.

Then, follow the links below for Vehicle (including Autos, Motorcycles, Boats, Tractors, & Campers/RVs) or Property Insurance Verification Forms and provide us with your data. We will contact your insurance agent to verify that the information on the form is correct.

If You Do Not Have Insurance

Please contact an insurance agency or company of your choice and purchase the appropriate coverage and list Georgia Heritage FCU as the lienholder or mortgagee.

If you do not obtain your own insurance, your signed Loan Agreement allows Georgia Heritage FCU to purchase insurance to protect our interest in your collateral and add the premium for the purchased insurance to your loan balance. It also allows Georgia Heritage FCU to increase your payments to cover the cost.

The insurance purchased by Georgia Heritage FCU usually costs considerably more than the cost of insurance you may be able to obtain on your own, and only protects Georgia Heritage FCU’s interest in your collateral. It will not provide any bodily injury or property damage liability coverage, nor meet any financial responsibility or no-fault laws. The insurance will not provide medical insurance, uninsured motorist, or underinsured motorist coverage.

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