Georgia Heritage Federal Credit Union
Georgia Heritage Federal Credit Union is headquartered in Savannah and is the 25th largest credit union in the state of Georgia. It is also the 1,491st largest credit union in the nation. It was established in 1940 and as of March of 2025, it had grown to 43 employees and 15,428 members at 4 locations. Georgia Heritage Federal Credit Union has an A 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.
See current membership details
Worst Bank In Georgia
In my 30 years of banking, this is the single worst bank I've banked with. In just one month, I've had to consult an attorney because Georgia Heritage has, on several occasions, denied me access to my account. No explaination. Simply rude employees telling me that I cannot withdraw money or make online transactions. The bank manager is entirely incompetent, and couldn't care less how their poor management affects a family. If I could give them negative stars, I would.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 3800 |
| Year Chartered | 1940 |
| Employees | 43 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.38% |
| Return on Equity - YTD | 3.56% |
| Annual Interest Income | $1.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $152MM$149.1MM |
| Loans | Q1 2025vs Q1 2024 | $104.8MM$93.6MM |
| Deposits | Q1 2025vs Q1 2024 | $133.2MM$131.5MM |
| Equity Capital | Q1 2025vs Q1 2024 | $16.2MM$15.7MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $1.5MM$1.1MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $332K$338K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |