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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Youth Accounts

Kids Can Be Members Too!


Start Kids on the Path to Financial Success

We offer two youth programs to help young members start their savings journey. Learn more about our youth memberships, which include Kidz Club and Freedom Club programs. For more general information please read below.

Getting Started

  • Complete membership application to join
  • $5 opening deposit
  • Child’s Social Security Card required
  • Kids must have an eligible adult joint owner on the account. The adult must present a valid government-issued photo ID (state issued driver’s license or identification card, military ID or passport)


  • No monthly service fees
  • Monthly dividends paid on minimum balances of $100
  • Mobile App with Mobile Banking
  • Scholarship opportunities for high school seniors

The Georgia Heritage Federal Credit Union

Kidz Club

Must be age 12 or younger to qualify. Kids who open a Kidz Club account receive a FREE welcome gift!

The Georgia Heritage Federal Credit Union

Freedom Club

Begin learning smart money management with an optional checking account and debit card. Teens who open a Freedom Club account receive a FREE welcome gift!

Freedom Checking

  • Must be between the ages of 13 and 17
  • The minimum opening deposit is $25
  • Must have an adult joint owner


  • Account has built-in protection features such as no Courtesy Pay and a low debit card limit of $500 per day.
  • Mobile App with Mobile banking
  • Remote Check Deposit
  • No monthly fees
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