How to Join

What is a Credit Union?


A Credit Union is a cooperative financial institution, owned and controlled by the people who use its services. These people are members. Credit unions serve groups that share something in common, such as where they work, live, or go to church. Credit unions are not-for-profit and exist to provide a safe, convenient place for members to save money and to get loans at reasonable rates.



Who can join Georgia Heritage FCU?


Anyone who lives, works, worships, or attends school in Chatham, Effingham, or Bryan counties in Georgia and their immediate family members may gain membership to the Credit Union.



How much does it cost to join?


Nothing! There is no membership fee to join. There is a required minimum deposit of $5 to open an account. However, should you choose to close your account, the $5 will be returned to you.



To become a member is easy


  • You may apply online OR
  • Obtain a membership application from our Credit Union office or you may phone us and request a membership packet be mailed to you.
  • Along with a copy of your driver's license or valid photo ID and an initial deposit of $5, mail the signed application to the PO box or take it to one of the street addresses below:

Georgia Heritage FCU

Attn: New Accounts

PO Box 1920

1085 W. Lathrop Ave.

Savannah, GA 31402

Georgia Heritage FCU

Attn: New Accounts

102 Park Ave.

Pooler, GA 31322


Georgia Heritage FCU

Attn: New Accounts

200 Stephenson Ave., Ste 100

Savannah, GA 31405


For more information or for assistance with the application, a Member Service Officer will be happy to help you: call 912-236-4400.