Georgia Heritage Federal Credit Union

Headquarters

P O Box 1920
Savannah, GA 31402
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.02% →
1-Year CD 0.70% 1.45% →
2-Year CD 0.80% 2.86% →
5-Year CD 0.90% 3.21% →
30-Year Mortgage N.A. 2.81% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Georgia Heritage is an NCUA insured institution located in Savannah, GA. It was founded in 1940 and has approximately $129.21 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 3800
Date Established 1940
Assets $129.21 million
Loans $77.98 million
Deposits $115.07 million
Capital $12.68 million
 

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.

Deposit Rates - May 23, 2022

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.25% $2,500 $2,999 Learn More
Money Market
0.30% $10,000 $14,999 Learn More
Money Market
0.40% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.70% $10,000 $14,999 Learn More
12 Mo CD
0.70% $100,000 $199,999 Learn More
24 Mo CD
0.80% $10,000 $14,999 Learn More
24 Mo CD
0.80% $100,000 $199,999 Learn More
36 Mo CD
0.85% $10,000 $14,999 Learn More
36 Mo CD
0.85% $100,000 $199,999 Learn More
48 Mo CD
0.85% $10,000 $14,999 Learn More
48 Mo CD
0.85% $100,000 $199,999 Learn More
60 Mo CD
0.90% $10,000 $14,999 Learn More
60 Mo CD
0.90% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - May 23, 2022

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for GEORGIA HERITAGE

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Virginia 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Morty, Inc.
NMLS ID: 1429243
4.812% 4.750% 0.75 $1,808 $1,305 Learn More
Filo Mortgage, LLC
NMLS ID: 1928741
4.440% 4.375% 0.75 $1,920 $1,249 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More

Note to GEORGIA HERITAGE
To upload and update your bank's rates please register. It is free to register and add rates.


 

Branches

Below are Georgia Heritage branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Georgia Heritage Locations



Climate Initiatives

GEORGIA HERITAGE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Georgia Heritage Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Georgia Heritage. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Georgia Heritage U.S. Average
7.94% 4.85

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2021, Georgia Heritage had $1,012,786 in non-current loans and $20,000 in owned assets. To cover these potential losses it had $12,684,436 in net worth and $319,821 in loans loss reserves. That gives it a Texas Ratio of 7.94%.

Net Worth
Georgia Heritage U.S. Average
9.81% 12.36%

Georgia Heritage FCU has a net worth of 9.81% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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