Credit union · NCUA insured
Georgia Heritage Federal Credit Union
Top CarrotA $158.7M credit union headquartered in Savannah, GA, with 15,224 members and 4 branches in Georgia. Best rates: CDs 4.80% and savings 0.75% APY.
Georgia Heritage Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 96% of U.S. banks and credit unions
#1 of 17 in Savannah, GA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Georgia Heritage Federal Credit Union
Georgia Heritage Federal Credit Union is a member-owned cooperative financial institution headquartered at 1085 West Lathrop Avenue in Savannah, Georgia.
Originating at its Savannah location, the credit union now operates multiple branch locations surrounding the Savannah, Georgia area.
- Headquarters
- 1085 W Lathrop Ave, Savannah, GA 31415
- NCUA charter
- 3800
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Chatham, Effingham, or Bryan counties in Georgia are eligible to join.
Family and household
- Immediate family members of individuals who live, work, worship, or attend school in Chatham, Effingham, or Bryan counties in Georgia are eligible to join.
Cost to join
- There is no fee to join, though a refundable $5.00 minimum deposit is required to open an account and will be returned if the account is closed.
Branches
4 branches in Georgia
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Georgia
4 branches
- Main OfficeMain office1085 W Lathrop Ave, Savannah, GA 31415Directions
- Pooler Branch102 Park Ave, Pooler, GA 31322Directions
- Rincon Branch5745 GA Highway 21 S, Rincon, GA 31326Directions
- Stephenson Branch200 Stephenson Ave Ste 100, Savannah, GA 31405Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.38% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.34% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.30% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $77 | $76 | — |
- CapitalNet worth ratio10.38%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.34%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.30%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$77Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Georgia Heritage Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.