Sign-in to Your GHFCU Account

Contact one of our Georgia Heritage FCU loan representatives for more information.

Checking Rates
Account TypeRateAPY*
Premium Checking0.100%0.10%***
Eazy, Freedom & Advantage Checking0.000%0.00%
Savings Rates
Account TypeRateAPY*
Primary, Freedom, & Kidz Club Savings0.100%0.10%**
Secondary Savings0.100%0.10%**
Secured Savings0.100%0.10%
Christmas Club0.100%0.10%
Money Market Plus Rates
TiersRateAPY*Penalty
$2,5000.698%0.70%See ³ below
$10,0000.797%0.80%
$25,0000.896%0.90%

To earn the stated dividend, a minimum average daily balance of $2,500 is required.

IRA Rates
TypeTiersRateAPY*
IRA Savings$500 Minimum0.698%0.70%
$10,000 Minimum0.797%0.80%
$50,000 Minimum0.896%0.90%
IRA Certificates
TermsTiersRateAPY*Penalty
6 Months$500 Minimum1.094%1.10%90 Days¹
12 Months$500 Minimum1.193%1.20%90 Days¹
24 Months$500 Minimum1.391%1.40%180 Days¹
36 Months$500 Minimum1.490%1.50%180 Days¹
48 Months$500 Minimum1.539%1.55%180 Days¹
60 Months$500 Minimum1.638%1.65%180 Days¹
Share Certificates
TermsTiersRateAPY*Penalty
6 Months$500 Minimum1.094%1.10%90 Days¹
12 Months$500 Minimum1.193%1.20%90 Days¹
24 Months$500 Minimum1.391%1.40%180 Days¹
36 Months$500 Minimum1.490%1.50%180 Days¹
48 Months$500 Minimum1.539%1.55%180 Days¹
60 Months$500 Minimum1.638%1.65%180 Days¹
3-Step Share Certificates
TermsTiersRateAPY*Penalty²
24 Months$500 Minimum1.292%1.30%180 Days (See ² below)
Auto & Other Secured Loan Rates
Consumer Loan TypeApproximate TermAnnual Percentage Rate
Auto, Truck, and SUVUp to 48 MonthsAs low as 4.74%
Up to 60 MonthsAs low as 4.99%
Up to 66 MonthsAs low as 5.24%
Up to 72 MonthsAs low as 5.49%
Up to 75 MonthsAs low as 5.99%
Up to 84 MonthsAs low as 6.24%
Secured Collateralized Loans (Other than Auto, Truck, and SUV)Up to 48 MonthsAs low as 6.74%
Up to 60 MonthsAs low as 7.24%
Up to 72 MonthsAs low as 8.24%
Up to 84 MonthsAs low as 9.49%
Extended Terms Available for Boat LoansUp to 120 MonthsAs low as 10.74%
Up to 144 MonthsAs low as 11.74%
Extended Terms Available for Motorhome LoansUp to 120 MonthsAs low as 7.49%
Up to 144 MonthsAs low as 8.49%
Credit Card Rates
Choose The Plan That Works for YouPlatinumSecured VISA
Annual Percentage Rate9.9% - 16.9%9.9%
Annual Membership FeeNoneNone
Grace Period for Purchases25 Days25 Days
Minimum Finance ChargeNoneNone
Transaction FeeNoneNone

Credit Card Agreement

Personal Loan Rates
Consumer Loan TypeTermsAnnual Percentage Rate
Personal LoansUp to 60 monthsAs low as 8.95%
Personal Line of Credit (PLOC)16.00%
Share Certificate SecuredUp to 60 monthsShare 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.

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