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Maximize Your Savings with GHFCU: Exploring Savings Products for Your Financial Future

Jun 8, 2023

Maximize You Savings with Georgia Heritage Federal Credit Union

Are you looking for ways to maximize your savings? Look no further than Georgia Heritage Federal Credit Union! Our savings products are designed to help you earn more on your hard-earned money.

Money Market Plus Account

Our Money Market Plus Account is a great option for those looking to earn higher dividends while maintaining easy access to their funds. With tiered rates based on your balance, the more you save, the more you’ll earn. To qualify for this account, you need to maintain a minimum monthly balance of $2,500. This account also features free e-statements as well as online, telephone, and mobile banking.

In addition to the above benefits, Money Market Plus Account holders also will gain access to over 5,500 Co-op shared branches, and your IRA will be Federally insured by the NCUA up to $250,000.

Share Certificates

Our Share Certificates are also Federally insured by the NCUA. With competitive dividends paid monthly, a fixed rate for the length of the term, and automatic renewal, you can watch your savings grow without any extra work.

We also offer a 3-Step Share Certificate with a 24-month term that allows you to “bump” your rate, withdraw one-time penalty-free, and make up to two deposits during the term. This option provides flexibility for those who may need access to their funds during the term.


When planning for retirement, it’s important to consider all of your options. IRAs may offer tax advantages to help you save for retirement. At Georgia Heritage FCU, we offer Traditional and Roth IRA plans, each with its own unique set of benefits.

With Traditional IRA, contributions and earnings may be tax-deductible, and taxes are deferred until withdrawn. Contributions are allowed up to annual limits, and a required minimum distribution is necessary upon reaching a specific age. This option earns competitive dividend rates and requires a minimum balance of $500.

A Roth IRA allows regular contributions to be withdrawn IRS tax-free and IRS penalty-free at any time. *Contributions are allowed up to annual limits, and there are no required minimum distributions. This option also earns competitive dividend rates and requires a minimum balance of $500.

At Georgia Heritage FCU, we believe in helping our members maximize their savings potential. Contact us today to learn more about our savings products and how they can benefit you!

* You may contribute to a Roth IRA if you have earned income and meet the IRS income limits. Spouses with no earned income may contribute to a Roth IRA of their own, based on the other spouse’s earned income, when a joint tax federal income tax return is filed.

Become a Member of GHFCU

Anyone who lives, works, worships, or attends school in Chatham, Effingham, or Bryan counties in Georgia and their immediate family members may gain membership to the Credit Union.

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