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Routing Number: 261271694

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Teaching financial literacy to children is one way to motivate them to save money. The child in this picture looks happy to be dropping money into her piggy bank.

As parents, it is our responsibility to prepare children for adulthood. One aspect of this is teaching financial literacy to them. When your kids know how to manage money well, they may be less dependent on you financially when they become adults. In addition, they may be in a better position to look after you in your later years when you're no longer able to work. Here are some ways to teach financial literacy to children. Teach the Difference Between Wants and Needs Too often,...

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If you want to know more about how to deposit a check remotely, step into one of our credit union branches in Effingham County, Chatham County, or Bryan County. To open a checking account or savings account, contact us today.

You have been given a check to pay you for money owed. In the past, this meant a trip to the financial institution to deposit the check. Typically you had to sign the check in front of the teller. How to Deposit a Check Remotely through Georgia Heritage Download the app from iTunes®, Google Play™, or Apple Apps™, depending on whether you have an Apple or Android system. You will download the app that is Georgia Heritage FCU. To set it up, you will provide...

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There are many benefits of obtaining a credit card from a credit union like Georgia Heritage FCU.

A credit card isn’t just a credit card. Sure, they may all be the same size and generally have the same concept, but when you read the fine print, they’re all different in some way. Research has shown that credit unions specifically tend to provide users with a better experience and better results when it comes to credit card ownership.  There are many benefits of obtaining a credit card from a credit union, and following are only a few of them. Why Obtaining a Credit...

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Roth vs Traditional IRA

Before you decide whether to contribute to a Traditional IRA or a Roth IRA, you’ll first need to determine if you are eligible for either. Although the contribution eligibility requirements differ for each, often the decision between Roth vs Traditional IRA depends on your income. Following are the basic facts you need to know. Traditional IRAs IRA owners must have earned income and be under age 70 1/2 to make contributions. Contributions may be tax deductible. Earnings grow tax deferred. Distributions generally are taxable. Distributions before...

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Benefits of Obtaining a Personal Loan from a Credit Union

A personal loan can help you do so much: Pay off debt, finance a large purchase, start a business, and so much more. The benefits of obtaining a personal loan from a credit union, or even simply being a member of Georgia Heritage FCU, are priceless. Let’s start with the basics… When a Personal Loan Comes in Handy A personal loan can help pull you out of a hole or make your dreams come true, depending on how you want to use it. Personal loans...

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This image features a woman looking at a computer. It includes a list of factors Georgia residents can use to choose the best credit card.

Sure, a credit card is influential in boosting your credit score, but how do you know which one to get? After all, hundreds of credit cards are available, so how do you choose the best credit card for you? Below are a few factors that you should always keep in mind. Secured or Unsecured Unsecured and secured credit cards have distinct differences. Secured credit cards are issued with a credit line that you provide in the form of deposit. They're often used to help improve...

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Susan Helmey (left), Donna Trapani, Billie Dees, Toni Brantley, Brenda Elmgren, Karen Bogans, Becky Orsi and Dale Taratuta participate in the groundbreaking ceremony for the opening of the Georgia Heritage Federal Credit Union branch in Rincon, Georgia.

Georgia Heritage Federal Credit Union announces a new branch office location at the intersection of Highway 21 and Silverwood Center Drive in Rincon, Georgia. The groundbreaking was held at 11:30 a.m. on Tuesday, December 5, 2017. “We are thrilled to be breaking ground in Rincon,” said Dale Taratuta, President and CEO of Georgia Heritage Federal Credit Union. “This location will enable us to enhance the level of service and convenience we offer to current and prospective credit union members in Effingham County.” The new 2,600...

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