2. Georgia Heritage Federal Credit Union

Georgia Heritage Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
6.00%Reward CheckingE-Account Checking
2.00% - National Average
2.15%5-year CD60 Month Share Certificate
3.00% - American Express National Bank 60 Month CDAdvertisement
1.30%1-year CD12 Month Share Certificate
2.45% - Synchrony Bank 12 Month CDAdvertisement
View all Georgia Heritage Federal Credit Union rates »

Overview / Commentary
www.gaheritagefcu.org
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 1,625th largest credit union in the nation. It was established in 1940 and as of June of 2018, it had grown to 39 employees and 10,343 members at 4 locations. Georgia Heritage Federal Credit Union's CD rates are 44% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in Chatham, Effingham, or Bryan counties in Georgia and their immediate family.
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Health
B+

Data as of Q2 2018

Learn why bank health matters
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
Employees39
Primary Regulator
Profit Margin
Return on Assets - YTD0.53%
Return on Equity - YTD4.46%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$98.9MM$97.8MM
LoansQ2 2018vs Q2 2017$81.1MM$70.9MM
DepositsQ2 2018vs Q2 2017$84.4MM$84.9MM
Equity CapitalQ2 2018vs Q2 2017$11.9MM$11.4MM
Loan Loss AllowanceQ2 2018vs Q2 2017$579.00K$543.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$254.00K$335.00K
Real Estate OwnedQ2 2018vs Q2 2017$73.00K$30.00K
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
0.45%*$50k*-IRA Savings
OTHER TIERS: 0.25% → $500 - $10k | 0.35% → $10k - $50k
0.10%--Heritage Savings
0.10%--Secondary Savings
0.10%--Secured Savings
0.10%--Christmas Club

Georgia Heritage Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%*$25k*-Money Market Plus
OTHER TIERS: 0.40% → $2.5k - $10k | 0.45% → $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%--Premier Checking
0.05%--Heritage Checking

Georgia Heritage Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.15%$500-60 Month Share Certificate
1.90%$500-48 Month Share Certificate
1.75%$500-36 Month Share Certificate
1.55%$500-24 Month Share Certificate
1.45%$500-24 Month 3-Step Share Certificate
1.30%$500-12 Month Share Certificate
0.90%$500-6 Month Share Certificate

Georgia Heritage Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.15%$10k-60 Month IRA
1.90%$10k-48 Month IRA
1.75%$500-36 Month IRA
1.55%$500-24 Month IRA
1.30%$500-12 Month IRA
0.90%$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
Branch Office5745 GA Highway 21 SRincon, GA 31326-5554

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