Credit union · NCUA insured
Georgia Heritage Federal Credit Union Credit Card Rates
Top CarrotGeorgia Heritage Federal Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Georgia Heritage Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Savannah, GA, where Georgia Heritage Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Georgia Heritage Federal Credit Union
9.90%APR
- Up to
- 16.90% APR
Platinum
Lowest rate
MembersFirst Credit Union
8.99%APR
- Up to
- —
3rd-lowest rate
Navy Federal Credit Union
10.24%APR
- Up to
- 18.00% APR
Georgia Heritage Federal Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Georgia Heritage Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Platinum
Rate is subject to credit approval. Membership in Georgia Heritage FCU requires a $5 account opening deposit. Serves those who live, work, worship, or attend school in Chatham, Effingham, and Bryan Counties, as well as their immediate family members.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90%–16.90% | None | 25-day grace period for purchases. No minimum finance charge or transaction fee. Fees apply for international charges and cash advances. |
Secured VISA
Requires a dedicated refundable deposit of $500 to $5,000 in a secured savings account for a corresponding $500 to $5,000 credit limit. Also requires a $5 account opening deposit to establish Credit Union membership. Open to anyone who lives, works, worships, or attends school in Chatham, Effingham, or Bryan Counties.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | 25-day grace period for purchases. No minimum finance charge or transaction fee. No fee balance transfers if done at account opening. Secured by a refundable deposit of $500 to $5,000. |
Sources (2)
All captured Oct 7, 2026
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This may be incomplete or out of date, so check with the credit union before you apply.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.