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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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  • Taxes are deferred until withdrawn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  • Regular contributions can be withdrawn IRS tax-free and IRS penalty-free at any time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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