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Featured Accounts

Georgia Heritage Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
6.00%Reward CheckingE-Account Checking
1.55%5-year CD60 Month Share Certificate
0.70%1-year CD12 Month Share Certificate

Overview / Commentary
912-236-4400
1085 W Lathrop Ave
Savannah, GA 31415

Georgia Heritage Federal Credit Union is headquartered in Savannah and is the 30th largest credit union in the state of Georgia. It is also the 1,710th largest credit union in the nation. It was established in 1940 and as of December of 2015, it had grown to 29 employees and 9,045 members at 3 locations. Georgia Heritage Federal Credit Union has an A health rating.

Field of Membership Restrictions

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.
See current membership details

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Health
A
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Georgia Heritage Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #3800
Year Chartered1940
Employees29
Primary Regulator
Profit Margin
Return on Assets - YTD0.6%
Return on Equity - YTD4.64%
Annual Interest Income$3.2MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$85.3MM$82.7MM
LoansQ4 2015vs Q4 2014$68.9MM$60.1MM
DepositsQ4 2015vs Q4 2014$73.0MM$71.0MM
Equity CapitalQ4 2015vs Q4 2014$10.9MM$10.4MM
Loan Loss AllowanceQ4 2015vs Q4 2014$350.00K$382.00K
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$319.00K$347.00K
Real Estate OwnedQ4 2015vs Q4 2014$0$24.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Georgia Heritage Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$50k*-IRA Savings
OTHER TIERS: 0.20% $500 - $10k | 0.30% $10k - $50k
0.10%--Savings

Georgia Heritage Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$25k*-Money Market Plus
OTHER TIERS: 0.15% $2,500 - $10k | 0.25% $10k - $25k

Georgia Heritage Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
6.00%*-$500E-Account Checking - Qualifying
OTHER TIERS: 0.10% $500+
0.10%$2,500-Premier Checking
0.05%--Heritage Checking

Georgia Heritage Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.55%$500-60 Month Share Certificate
1.35%$500-48 Month Share Certificate
1.20%$500-36 Month Share Certificate
1.00%$500-24 Month Share Certificate
0.90%$500-24 Month 3-Step Share Certificate
0.70%$500-12 Month Share Certificate
0.35%$500-6 Month Share Certificate

Georgia Heritage Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.55%$10k-60 Month IRA
1.35%$10k-48 Month IRA
1.20%$500-36 Month IRA
1.00%$500-24 Month IRA
0.70%$500-12 Month IRA
0.35%$500-6 Month IRA
Locations


Georgia Heritage Federal Credit Union Locations
Branch Office1085 W Lathrop AveSavannah, GA 31415
Branch Office102 Park AvePooler, GA 31322
Branch Office200 Stephenson Ave Ste 100Savannah, GA 31405-5492