Credit union · NCUA insured
Georgia Heritage Federal Credit Union CD Rates
Top CarrotGeorgia Heritage Federal Credit Union’s best CD rate is 4.80% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Georgia Heritage Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Savannah, GA, where Georgia Heritage Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Georgia Heritage Federal Credit Union
4.80%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,642
Share Certificates
2nd-highest rate
Coastal States Bank
4.50%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $260
3rd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Georgia Heritage Federal Credit Union CD score
99
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.20%
- 9–15 months9–15 mo4.35%
- 16–30 months16–30 mo4.50%
- 31–60 months31–60 mo4.80%
- QualifiedQualified4.80%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Georgia Heritage Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.80%APY · 7 terms
Minimum opening deposit of $500 is required. Dividends paid monthly. Automatic renewal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months90 Days penalty may apply for early withdrawal and may reduce earnings | 4.20% | $208 |
| 12 months90 Days penalty may apply for early withdrawal and may reduce earnings | 4.35% | $435 |
| 18 months120 Days penalty may apply for early withdrawal and may reduce earnings | 4.45% | $675 |
| 24 months180 Days penalty may apply for early withdrawal and may reduce earnings | 4.50% | $920 |
| 36 months180 Days penalty may apply for early withdrawal and may reduce earnings | 4.60% | $1,444 |
| 48 months180 Days penalty may apply for early withdrawal and may reduce earnings | 4.70% | $2,017 |
| 60 months180 Days penalty may apply for early withdrawal and may reduce earnings | 4.80% | $2,642 |
3-Step Share Certificates
4.40%APY · 1 term
With a 24-month term. Dividends paid monthly. Step 1: Bump up dividend rate once during term. Step 2: Add up to two deposits any time during term ($500 minimum add-on deposit). Step 3: Withdraw up to 50% of initial opening deposit once without penalty after the first 7 days. Minimum opening deposit $500 to $100,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsEarly withdrawal penalty: 180 Days; member may withdraw up to 50% of initial deposit after the first 7 days without penalty once during the term of the certificate | 4.40% | $899 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 4.80%APY · 7 terms
No setup or maintenance fee. Dividends compounded and paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months90 Days penalty may apply for early withdrawal and may reduce earnings | 4.20% | $208 |
| 12 months90 Days penalty may apply for early withdrawal and may reduce earnings | 4.35% | $435 |
| 18 months120 Days penalty may apply for early withdrawal and may reduce earnings | 4.45% | $675 |
| 24 months180 Days penalty may apply for early withdrawal and may reduce earnings | 4.50% | $920 |
| 36 months180 Days penalty may apply for early withdrawal and may reduce earnings | 4.60% | $1,444 |
| 48 months180 Days penalty may apply for early withdrawal and may reduce earnings | 4.70% | $2,017 |
| 60 months180 Days penalty may apply for early withdrawal and may reduce earnings | 4.80% | $2,642 |
Who can join Georgia Heritage Federal Credit Union
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.
Membership information collected October 4, 2026.