GHFCU COLLEGE SCHOLARSHIP APPLICATIONS ARE NOW OPEN
Our 2024 scholarship application is now open through April 15th, 2024, for high school seniors! Take a look at the requirements here.
FRAUD ALERT
Despite the declining use of checks in the U.S., criminals have been increasingly targeting the U.S. mail to commit check fraud. Authorities recommend that you avoid mailing checks and if you do, that you place them in a secure mail drop such as inside of a U.S. post office. Placing checks in your personal mailbox with a red flag up is not advisable, neither is placing in a blue mail collection box as they have been targeted for theft as well.
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  • Taxes are deferred until withdrawn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  • Regular contributions can be withdrawn IRS tax-free and IRS penalty-free at any time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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