|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Georgia Heritage Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 28, 2026
Georgia Heritage Federal Credit Union's CDs - 60 month rates are at 4.80%, CDs - 48 month rates are at 4.70%, CDs - 36 month rates are at 4.60%, CDs - 24 month rates are at 4.50%, CDs - 18 month rates are at 4.45%. Georgia Heritage Federal Credit Union's savings rates are at 0.10%. Georgia Heritage Federal Credit Union's money market rates are at 1.00%. Georgia Heritage Federal Credit Union's checking rates are as high as 0.10%. Georgia Heritage Federal Credit Union's Personal Loan Rates are as low as 8.95%. Georgia Heritage Federal Credit Union's CD rates are 57% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Georgia Heritage Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.12%. Rates last updated and verified on 10/28/2026. Georgia Heritage Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Georgia Heritage Federal Credit Union? Share your experience about Georgia Heritage Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Georgia Heritage Federal Credit Union. Georgia Heritage Federal Credit Union
MAIN OFFICE 1085 W Lathrop Ave
https://www.gaheritagefcu.org Savannah, GA 31415  Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Georgia Heritage Federal Credit Union CD Rates
Georgia Heritage Federal Credit Union Savings Rates
Georgia Heritage Federal Credit Union Money Market Rates
Georgia Heritage Federal Credit Union Checking Rates
Georgia Heritage Federal Credit Union Personal Loan Rates
Georgia Heritage Federal Credit Union Other Rates
Financial Health HistoryGeorgia Heritage Federal Credit Union’s Texas Ratio rose from 1.30% in Q3 2023 to 2.12% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Georgia Heritage Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Georgia Heritage Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Georgia Heritage Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Georgia Heritage Federal Credit Union
Website
https://www.gaheritagefcu.org
Address
1085 W Lathrop Ave,
Savannah, GA 31415
Phone
912-236-4400
Fax
912-238-5944
President
Donna Trapani
CEO
Matthew Selke
Full-Time Employees
46
Part-Time Employees
3
Branch Locations
4
ATM Locations
4
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.12%
Return on Assets (ROA)
0.1490%
Return on Equity (ROE)
1.4348%
Non-Performing Loans Ratio (NPL)
0.34%
Total Assets
162,655,433
Total Amount of Shares and Deposits
143,487,880
Total Shares and Deposits < 1 Year
135,868,522
Total Shares and Deposits 1 3 Years
6,739,676
Total Shares and Deposits > 3 Years
879,682
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,428,675
Total Uninsured Shares and Deposits > $250K (F+J)
6,428,675
Total Insured Shares and Deposits > $250K (item 17 less item K)
137,059,205
Total Interest Expense (Sum of items 6 8)
870,493
Share Certificates
1,139
Number of Accounts for Share Drafts
5,635
IRA KEOGH Accounts
239
Number of Accounts for Regular Shares
17,153
Money Market Shares
406
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
14,614,168
Total Liabilities
145,767,744
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Georgia Heritage Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Georgia Heritage Federal Credit Union
Frequently Asked Questions About Georgia Heritage Federal Credit UnionDoes Georgia Heritage Federal Credit Union offer CDs?Yes. Georgia Heritage Federal Credit Union current CD rates include its CDs - 60 month at 4.80% APY, its CDs - 48 month at 4.70% APY and its CDs - 36 month at 4.60% APY, verified by MonitorBankRates as of October 28, 2026. Are CDs from Georgia Heritage Federal Credit Union NCUA insured?Yes. Georgia Heritage Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Georgia Heritage Federal Credit Union?The highest Georgia Heritage Federal Credit Union CD rate is its IRA CDs - 60 month at 4.80% APY, verified by MonitorBankRates as of October 28, 2026. What CD terms does Georgia Heritage Federal Credit Union offer?Georgia Heritage Federal Credit Union CD rates are 4.35% APY for a 12 month CD, 4.45% APY for an 18 month CD, 4.50% APY for a 2 year CD, 4.60% APY for a 3 year CD, 4.70% APY for a 4 year CD and 4.80% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Georgia Heritage Federal Credit Union for its full lineup. What is the highest savings rate at Georgia Heritage Federal Credit Union?The highest Georgia Heritage Federal Credit Union savings rate is its Primary, Freedom, & Kidz Club Savings at 0.10% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest money market rate at Georgia Heritage Federal Credit Union?The highest Georgia Heritage Federal Credit Union money market rate is its Money Market Plus at 1.00% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest checking rate at Georgia Heritage Federal Credit Union?The highest Georgia Heritage Federal Credit Union checking rate is its Premium Checking at 0.10% APY, verified by MonitorBankRates as of October 28, 2026. What is the lowest personal loan rate at Georgia Heritage Federal Credit Union?The lowest Georgia Heritage Federal Credit Union personal loan rate is its Personal Loans at 8.95% APR, verified by MonitorBankRates as of October 28, 2026. How many branches does Georgia Heritage Federal Credit Union operate?Georgia Heritage Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Georgia Heritage Federal Credit Union?Yes, to access services at Georgia Heritage Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Georgia Heritage Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Georgia Heritage Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Georgia Heritage Federal Credit Union offer online and mobile banking?Most modern institutions like Georgia Heritage Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.gaheritagefcu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Georgia Heritage Federal Credit Union rates compare?Georgia Heritage Federal Credit Union's CD rates are 57% higher than the MonitorBankRates national average, and it has an A+ health rating. Georgia Heritage Federal Credit Union's top rates are its IRA CDs - 60 month at 4.80% APY, its Primary, Freedom, & Kidz Club Savings at 0.10% APY, its Money Market Plus at 1.00% APY, its Premium Checking at 0.10% APY and its Personal Loans at 8.95% APR, verified by MonitorBankRates on October 28, 2026. Current Georgia Heritage Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Southern Security Federal Credit Union
Topeka Police Credit Union
Northwest Community Credit Union
LincOne Federal Credit Union
Local 50 Plumbers & Steamfitters Federal Credit Union
Danfoss Employees Credit Union
Western Springs Federal Credit Union
Palmetto First Federal Credit Union
Public Service Edwardsport Plant Employees Federal Credit Union
De Soto Mo Pac Credit Union
GBTCU Greensburg Teachers Credit Union
Chattanooga First Federal Credit Union
Arcade Credit Union
Members Plus Credit Union
Utah Community Credit Union
Division 819 Transit Employees Credit Union
LCE Federal Credit Union
Members 1st Federal Credit Union Enola, PA
Sage Credit Union
University Credit Union Los Angeles, CA
Faith Connection Federal Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
