Georgia Heritage FCU

You can open a Share Certificate with a minimum balance of $500. Certificates are available with terms of 6, 12, 24, 36, 48 and 60 months. Certificates may be purchased in our office, by mail, or by phone if funds are already on deposit at Georgia Heritage FCU.

Features of our Savings Certificates include:

A fixed dividend for the term of the certificate.
Competitive dividend rates.
Deposit options ranging from minimum of $500 up to $100,000.
Automatic renewal.

Early withdrawal penalties are as follows:

TERM	DIVIDEND PENALTY*
6 month	30 days
12 month	30 days
24 month	30 days
36 month	30 days
48 month	30 days
60 month	30 days

*If the amount of the penalty is larger than the amount of dividend earned, penalty may be withdrawn from principal.

3-Step Term Share Certificate

It’s not your typical Certificate. Earn higher dividends with fixed-rate term share certificates. Minimum deposit of $500, 24-month term. Three steps for flexibility:

Step 1: Bump up the rate (APY*) one time during the term
Step 2: Add up to two deposits any time during the term ($500 minimum add-on deposit)
Step 3: Withdraw up to 50% of the initial deposit one time without penalty during the term (after first 7 days)

3-Step Term Share Certificate Disclosure: *Annual Percentage Yield. Minimum deposit $500. After the account is opened, an account-holder may request a one-time divided rate change to the then current 24-month dividend rate. New dividend rate will apply to remainder of term after the bump option is exercised. Dividends are calculated by applying a periodic rate to the full principal balance in your account each day. Rates and terms subject to change without notice. Minimum add-on deposit $500. Penalty for early withdrawal of funds over 50% of opening deposit based on current rate at time of withdrawal. If the certificate renews at maturity, the bump option will no longer be available. Certain restrictions apply. Limited time only. See rate schedule for rate and APY. Money must remain on deposit to earn the disclosed APY. Offer may be withdrawn without notice. Other restrictions may apply.

Please contact us if you have any questions about Share Certificates.