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Routing Number: 261271694
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Georgia Heritage Federal Credit Union
Routing Number: 261271694 (912) 236-4400 Hours & Location Find an ATM
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IRAs

Take Charge of Your Retirement with an IRA.

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Grow Your Retirement Funds with GHFCU IRAs

IRAs may offer tax advantages to help you save for retirement. Talk with a Georgia Heritage FCU representative about which IRA plan is right for you.

Advantages of an IRA

  • No setup or maintenance fee
  • Different plans to fit a variety of financial circumstances
  • $500 minimum opening deposit

Traditional IRAs Vs. Roth IRAs

Traditional IRA

  • Contributions and earnings may be tax deductible
  • Taxes are deferred until withdrawn
  • Contributions allowed up to annual limits
  • Required minimum distribution upon reaching specific age
  • Earns competitive dividend rates
  • Dividends are compounded and paid monthly
  • The minimum balance requirement is $500

Roth IRA

  • Regular contributions can be withdrawn IRS tax-free and IRS penalty-free at any time
  • Contributions allowed up to annual limits
  • Does not have required minimum distributions
  • Earns competitive dividend rates
  • Dividends are compounded and paid monthly
  • The minimum balance requirement is $500

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