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 may gain membership to the Credit Union.

How much does it costs 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…

1. Obtain a membership application from one of our credit union offices or you may phone us and request a membership packet be mailed to you.
   
2. 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 address below or take it to any of our branch locations.

Georgia Heritage FCU
Attn: New Accounts
PO Box 1920
Savannah, GA 31402

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