The difference is relationships.

What are Relationship Rewards?
Relationship Rewards is a program that provides additional benefits such as loan discounts, share certificate rate bonuses, and many other free or discounted services to members who participate with the credit union.

How does it work?
At the end of each month, we will determine your Relationship Rewards level by adding the combined average daily deposit balances and the month end loan balances of your primary Georgia Heritage FCU accounts. Your combined balance is then evaluated to the pre-determined levels within the Relationship Rewards program to establish your rewards for the following month. At Georgia Heritage FCU, every member is rewarded for honoring us with your business.

How can I change my participation level?
Although Relationship Rewards provides numerous money-saving rewards, our exceptional products and services alone are reason enough to handle all your finances with Georgia Heritage FCU. To increase your rewards, consider just a few ways you could boost your participation level:

• Move your checking account from another institution to a Georgia Heritage FCU checking account
• Finance or refinance your auto loan with Georgia Heritage FCU
• Open a Share Certificate
• Transfer your credit card balances from another institution to a Georgia Heritage FCU VISA® Credit Card
• Finance or refinance a Home Equity Loan or Line of Credit
• Finance or refinance your mortgage with Georgia Heritage FCU*****

When are rewards earned?
On a monthly basis. Your Relationship Rewards level will be calculated by the credit union, to determine which discounted services you will be eligible to receive during the following month.

Are my non-GHFCU ATM transactions totally free?
Free transactions at non-GHFCU ATMs do not include surcharges that may be assessed by the institution/network that owns the ATM.

Will the Relationship Rewards benefits affect the current benefits that I receive through my Golden Classic or Club account status?
Yes. Members ages 0-25 will receive Advantage level benefits unless you become delinquent on a loan, at which time you will receive Standard level benefits until the loan is brought current. Golden Classic members (55 & older) will continue to receive a no-service charge account that earns a dividend at the current rate. Other benefits are awarded using the Relationship Rewards participation levels.

Participation Levels

*Loan discounts not available on First Mortgages or VISA® Credit Cards.
**Maximum savings not to exceed $500.00 per loan.
***Discount available on one Safe Deposit Box rental per member per calendar year. Discount taken at opening or renewal.
****Individual Institutional Surcharges may apply.
*****Mortgage balances are used only on portfolio mortgage loans kept at Georgia Heritage FCU. Note: First-mortgage processing fee discounts are based on your level at the time of application. GHFCU is not obligated to continue or to offer such benefits or services and may withdraw or change them at any time. If these services or benefits are withdrawn prior to any accrued use by you, the Credit Union will have no obligation to provide the benefits or service, or any other compensation or consideration. Free and discounted money orders and Travelers Cheques are not currently available at CU Service Centers. In order to receive your free check order reward you must order/re-order checks at one of our offices through a Member Service Representative.