TEMPORARY SERVICE INTERRUPTION
GHFCU Members may experience a temporary service interruption during the weekend of March 30-31 while we perform system updates. Please be aware of this and plan accordingly.
WELCOME GPA CU MEMBERS!
We are eager to serve you, for more information pertaining to the merge and your accounts, please click here.
GHFCU COLLEGE SCHOLARSHIP APPLICATIONS ARE NOW OPEN
Our 2024 scholarship application is now open through April 15th, 2024, for high school seniors! Take a look at the requirements here.
Routing Number: 261271694
Scroll Up Scroll down
Home
Search
Call GHFCU
Hours
Find ATM
Sign-in to Your GHFCU Account

IRAs

Take Charge of Your Retirement with an IRA.

3

Grow Your Retirement Funds with GHFCU IRAs

IRAs may offer tax advantages to help you save for retirement. Talk with a Georgia Heritage FCU representative about which IRA plan is right for you.

Advantages of an IRA

  • No setup or maintenance fee
  • Different plans to fit a variety of financial circumstances
  • $500 minimum opening deposit

Traditional IRAs Vs. Roth IRAs

Traditional IRA

  • Contributions and earnings may be tax deductible
  • Taxes are deferred until withdrawn
  • Contributions allowed up to annual limits
  • Required minimum distribution upon reaching specific age
  • Earns competitive dividend rates
  • Dividends are compounded and paid monthly
  • The minimum balance requirement is $500

Roth IRA

  • Regular contributions can be withdrawn IRS tax-free and IRS penalty-free at any time
  • Contributions allowed up to annual limits
  • Does not have required minimum distributions
  • Earns competitive dividend rates
  • Dividends are compounded and paid monthly
  • The minimum balance requirement is $500
Skip to content