Our members often ask if they can access their credit union accounts outside of the state of Georgia, and our answer is, “Yes, you can!” That’s the benefit of online banking and phone banking. It’s also the beauty of choosing a credit union that participates in a national network of ATM locations. Online Banking & Telephone Banking Our credit union allows for traditional online banking as well as banking by digital device. With today’s technology, you can deposit checks remotely, withdraw money remotely, check account...
With the fall 2019 college season underway, many students may be wondering how they can manage expenses this year. With the cost of classes, textbooks, online programs, clothing, food, transportation, entertainment, and more, the college experience can be overwhelming. College students may save money in many simple ways, and it doesn’t even mean they have to forego enjoying the college experience. If you don’t want to completely eliminate unnecessary expenses, simply cutting down a little can take you a long way during your college years....
If you are trying to obtain a credit card or loan from a credit union, interest rates are definitely a key factor in your decision. You should know that the National CUA Board determines the rate of interest federal credit unions may charge on credit cards and other types of loan accounts. The most that credit unions may charge is an 18% Annual Percentage Rate (APR). Additionally, credit unions often offer higher savings rates and lower loan rates. This may mean that your savings may...
Debt consolidation is an effective solution for some individuals, but there are many pros and cons of each option to consider. The general advantage of debt consolidation is that a consumer can combine debts into one payment, possibly helping to eliminate some of the stress involved in receiving and paying multiple bills. Beyond that, following is a basic breakdown of three common debt consolidation options, along with the potential pros and cons of each. Balance Transfer Card Pros: Potentially lower introductory interest More funds may...
Whether you are a credit union member or credit union associate, you are likely well aware that you should watch out for counterfeit money. If you do identify fake money, it’s important to understand what you should and should not do. Following are several recommendations by the U.S. Secret Service. What You Should Do if You Receive Counterfeit Money Safely try to delay the passer if possible. Keep in mind that the individual who gave you the bill may be unaware that he or she...
As the days get longer and the weather gets warmer, there is no better time than now to start enjoying the great outdoors with your friends and family. According to Georgia’s tourism website, our beautiful state has “almost 60,000 square miles of water.” Keeping this in mind, purchasing a new boat may be the answer you have been looking for to have even more fun all summer long. With boat loans through Georgia Heritage FCU, we may make purchasing boats more accessible. We offer pre-approved...