Rates
Contact one of our Georgia Heritage FCU loan representatives for more information.
Checking Rates
| Account Type | Rate | APY* |
|---|---|---|
| Premium Checking | 0.100% | 0.10%*** |
| Eazy, Freedom & Advantage Checking | 0.000% | 0.00% |
Savings Rates
| Account Type | Rate | APY* |
|---|---|---|
| Primary, Freedom, & Kidz Club Savings | 0.100% | 0.10%** |
| Secondary Savings | 0.100% | 0.10%** |
| Secured Savings | 0.100% | 0.10% |
| Christmas Club | 0.100% | 0.10% |
Money Market Plus Rates
| Tiers | Rate | APY* | Penalty |
|---|---|---|---|
| $2,500 | 0.499% | 0.500% | See ³ below |
| $10,000 | 0.747% | 0.750% | |
| $25,000 | 0.995% | 1.000% |
To earn the stated dividend, a minimum average daily balance of $2,500 is required.
IRA Rates
| Type | Tiers | Rate | APY* |
|---|---|---|---|
| IRA Rates | $500 Minimum | 0.499% | 0.500% |
| $10,000 Minimum | 0.747% | 0.750% | |
| $50,000 Minimum | 0.995% | 1.000% |
IRA Certificates
| Terms | Tiers | Rate | APY* | Penalty |
|---|---|---|---|---|
| 6 Months | $500 Minimum | 3.590% | 3.650% | 90 Days¹ |
| 12 Months | $500 Minimum | 3.590% | 3.650% | 90 Days¹ |
| 24 Months | $500 Minimum | 3.348% | 3.400% | 180 Days¹ |
| 36 Months | $500 Minimum | 3.203% | 3.250% | 180 Days¹ |
| 48 Months | $500 Minimum | 3.154% | 3.200% | 180 Days¹ |
| 60 Months | $500 Minimum | 3.105% | 3.150% | 180 Days¹ |
Share Certificates
| Terms | Tiers | Rate | APY* | Penalty |
|---|---|---|---|---|
| 6 Months | $500 Minimum | 3.590% | 3.650% | 90 Days¹ |
| 12 Months | $500 Minimum | 3.590% | 3.650% | 90 Days¹ |
| 24 Months | $500 Minimum | 3.348% | 3.400% | 180 Days¹ |
| 36 Months | $500 Minimum | 3.203% | 3.250% | 180 Days¹ |
| 48 Months | $500 Minimum | 3.154% | 3.200% | 180 Days¹ |
| 60 Months | $500 Minimum | 3.105% | 3.150% | 180 Days¹ |
3-Step Share Certificates
| Terms | Tiers | Rate | APY* | Penalty² |
|---|---|---|---|---|
| 24 Months | $500 Minimum | 3.251% | 3.300% | 180 Days (See ² below) |
Auto & Other Secured Loan Rates
| Consumer Loan Type | Approximate Term | Annual Percentage Rate |
|---|---|---|
| Auto, Truck, and SUV | Up to 48 Months | As low as 4.24% |
| Up to 60 Months | As low as 4.49% | |
| Up to 66 Months | As low as 4.74% | |
| Up to 72 Months | As low as 4.99% | |
| Up to 75 Months | As low as 5.49% | |
| Up to 84 Months | As low as 5.74% | |
| Secured Collateralized Loans (Other than Auto, Truck, and SUV) | Up to 48 Months | As low as 5.39% |
| Up to 60 Months | As low as 5.89% | |
| Up to 72 Months | As low as 6.89% | |
| Up to 84 Months | As low as 8.14% | |
| Up to 120 Months | As low as 9.39% | |
| Up to 144 Months | As low as 10.39% | |
| Extended Terms Available for Boat Loans | Up to 120 Months | As low as 9.39% |
| Up to 144 Months | As low as 10.39% | |
| Extended Terms Available for Motorhome Loans | Up to 120 Months | As low as 6.74% |
| Up to 144 Months | As low as 7.74% |
Credit Card Rates
| Choose The Plan That Works for You | Platinum | Secured VISA |
|---|---|---|
| Annual Percentage Rate | 9.9% - 16.9% | 9.9% |
| Annual Membership Fee | None | None |
| Grace Period for Purchases | 25 Days | 25 Days |
| Minimum Finance Charge | None | None |
| Transaction Fee | None | None |
Personal Loan Rates
| Consumer Loan Type | Terms | Annual Percentage Rate |
|---|---|---|
| Personal Loans | Up to 60 months | As low as 8.95% |
| Personal Line of Credit (PLOC) | 16.00% | |
| Share Certificate Secured | Up to 60 months | Share Certificate Rate + 3.00% |
*Annual Percentage Yield
** $100 minimum average daily balance requirement to earn stated APY
*** $500 minimum average daily balance requirement to earn stated APY
¹ Penalty may apply for early withdrawal and may reduce earnings.
² Member may withdraw up to 50% of the initial deposit after the first seven days without penalty once during the term of the certificate.
³ Low balance fee assessed at the end of the month, $15.00 per month if the balance goes below $2,500 anytime during the month.
All rates are subject to change.