UPDATED LOCATION HOURS
Be sure to check out our updated Friday Hours at Lathrop, Stephenson, and Rincon! Click here to learn more.
CLOSED FOR JUNETEENTH
All Georgia Heritage FCU Branches and Call Center will be closed on Wednesday, June 19th and will reopen on Thursday, June 20th.
Routing Number: 261271694
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IRAs

Take Charge of Your Retirement with an IRA.

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Grow Your Retirement Funds with GHFCU IRAs

IRAs may offer tax advantages to help you save for retirement. Talk with a Georgia Heritage FCU representative about which IRA plan is right for you.

Advantages of an IRA

  • No setup or maintenance fee
  • Different plans to fit a variety of financial circumstances
  • $500 minimum opening deposit

Traditional IRAs Vs. Roth IRAs

Traditional IRA

  • Contributions and earnings may be tax deductible
  • Taxes are deferred until withdrawn
  • Contributions allowed up to annual limits
  • Required minimum distribution upon reaching specific age
  • Earns competitive dividend rates
  • Dividends are compounded and paid monthly
  • The minimum balance requirement is $500

Roth IRA

  • Regular contributions can be withdrawn IRS tax-free and IRS penalty-free at any time
  • Contributions allowed up to annual limits
  • Does not have required minimum distributions
  • Earns competitive dividend rates
  • Dividends are compounded and paid monthly
  • The minimum balance requirement is $500

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