When you become a  member of the credit union a savings account is opened in your name. An initial deposit of $5 is required. All members must maintain a $5 balance in their savings account to remain a member, and demonstrate regular activity in their account to keep it open.

Other features of Heritage Savings include:

A competitive interest rate paid quarterly on the average daily balance in your savings account. Click here for current rate information.

Withdrawals: To withdraw money from your savings account, simply stop by a credit union branch or go to an ATM terminal or visit a Shared Service Center.

• Online access to your account.
• Quarterly statements by mail.
• Payroll deduction: You may have deposits to your savings account deducted directly from your paycheck.

Money Market Plus

If you’re looking for an alternative account that provides a higher rate of interest than regular savings yet gives you the flexibility of check-writing convenience, we’ve got it!

Designed for members who want the flexibility and soundness of a savings account combined with the advantage of greater earnings, our Money Market Plus features check-writing convenience and a tiered dividend structure, which rewards higher balances with higher earnings.

Money Market Plus Features:

• Minimum balance of $2,500
• Federally insured to at least $100,000 by NCUA
• Interest is paid monthly
• Funds may be deposited or withdrawn from account at any time
• Maximum of six (6) withdrawals – three (3) by check – through telephone, preauthorized or Online Banking funds transfers during any calendar month
• Tiers for dividends:
• $2,500.00 to $9,999.99
• $10,000.00 to $24,999.99
• $25,000.00 and up

Minimum deposit and balance: $2,500. If balance goes below $2,500, a $15 monthly fee will be assessed. Telephone, pre-authorized transfer and checks are limited to 6 per month, with a maximum of 3 by check. Over 6 withdrawals, $10 fee each. Dividends compounded daily, paid monthly. Dividends drop to savings rate if balance falls below minimum deposit of $2,500. Fees may reduce earnings. This is a variable-rate account and the rate may change monthly after the account is opened. Certain restrictions apply. See fee schedule.

If you have any other questions about your Heritage savings accounts at Georgia Heritage FCU, contact us.