| Checking Rates |
Rate |
APY* |
| E-Account Checking
$0 - $500
over $500
|
5.841%
0.100%
|
6.00%**
0.10%
|
| Heritage Checking |
0.050% |
0.05% |
| Classic Checking |
0.000% |
0.00% |
| Premier Checking |
0.100%
|
0.10%
|
*Annual Percentage Yield
**When requirements are met. When requirements are not met the lower rate applies to the entire balance in the account.
| Account Type |
Rate |
APY* |
| Heritage Savings |
0.100% |
0.10% |
| Secondary Savings |
0.100% |
0.10% |
| Secured Savings |
0.100% |
0.10% |
| Christmas Club |
0.100% |
0.10% |
Money Market Plus Savings
| Tiers |
Rate |
APY * |
Penalty ³ |
| $2,500 Minimum |
0.150% |
0.15% |
see ³ below |
| $10,000 Minimum |
0.25% |
0.25% |
| $25,000 Minimum |
0.30% |
0.30% |
IRA Rates
| Type |
Tiers |
Rate |
APY* |
| IRA Savings |
$500 Minimum |
0.200% |
0.20% |
| $10,000 Minimum |
0.300% |
0.30% |
| $50,000 Minimum |
0.399% |
0.40% |
IRA Certificates
| Terms |
Tiers |
Rate |
APY* |
Penalty |
| 6 Months |
$500 Minimum |
0.549% |
0.55% |
90 Days |
| 12 Months |
$500 Minimum |
0.797% |
0.80% |
90 Days |
| 24 Months |
$500 Minimum |
1.193% |
1.20% |
180 Days |
| 36 Months |
$500 Minimum |
1.391% |
1.40% |
180 Days |
| 48 Months |
$10,000 Minimum |
1.490% |
1.50% |
180 Days |
| 60 Months |
$10,000 Minimum |
1.687% |
1.70% |
180 Days |
Share Certificates
| Terms |
Tiers |
Rate |
APY* |
Penalty |
| 6 Months |
$500 Minimum |
0.549% |
0.55% |
90 Days |
| 12 Months |
$500 Minimum |
0.797% |
0.80% |
90 Days |
| 24 Months |
$500 Minimum |
0.995% |
1.00% |
180 Days |
| 36 Months |
$500 Minimum |
1.193% |
1.20% |
180 Days |
| 48 Months |
$500 Minimum |
1.391% |
1.40% |
180 Days |
| 60 Months |
$500 Minimum |
1.490% |
1.50% |
180 Days |
Share Certificate Promotions
If you have some extra cash, put it to work earning 1.35% APY* for 21 months with a share certificate!
*APY – Annual Percentage Yield. Minimum deposit $500 with maximum deposit of $250,000 per member. 180 day early withdrawal penalty applies. Fees may reduce earnings.Promotional Share Certificate accounts with terms not regularly offered will renew for the next longest regular available term. Effective January 1, 2018 through March 31, 2018. This offer may be withdrawn at any time without notice. Current certificates with Georgia Heritage FCU do not qualify unless maturing at the time of this promotion. Other restrictions may apply. Your savings federally insured to $250,000 and backed by the full faith and credit of the United States Government.
3-Step Share Certificate
| Terms |
Tiers |
Rate |
APY* |
Penalty ² |
| 24 Months |
$500 Minimum |
0.896% |
0.90% |
see ² below |
*Annual Percentage Yield
¹ Penalty may apply for early withdrawal and may reduce earnings.
² Member may withdraw up to 50% of initial deposit after the first seven days without penalty once during the term of the certificate. Other withdrawals use current 24 month certificate penalty.
³ Low balance fee assessed at the end of the month, $15.00 per month if balance goes below $2,500 anytime during the month.
| Choose The Plan That Works For You |
Platinum |
Secured Visa |
| Annual Percentage Rate |
9.9% - 16.9% |
9.9% |
| Annual Membership Fee |
None |
None |
| Grace Period for Purchases |
25 Days |
25 Days |
| Minimum Finance Charge |
None |
None |
| Transaction Fee |
None |
None |
Cardholder Disclosure & Agreement
