Credit union · NCUA insured
Georgia Heritage Federal Credit Union Savings Rates
Top CarrotGeorgia Heritage Federal Credit Union’s best savings rate is 0.75% APY on $10,000, with its Money Market Plus. Rates checked October 22, 2026.
How Georgia Heritage Federal Credit Union’s savings 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
0.75%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $75
Money Market Plus
Top rate
Center Parc Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Georgia Heritage Federal Credit Union savings score
81
Savings score
Higher than 57% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.75%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Plus
Up to 0.75%APY
Must maintain a minimum balance of $2,500 to earn monthly compounded dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upTo earn the stated dividend, a minimum average daily balance of $2,500 is required. | 0.50% | $50 | To earn the stated dividend, a minimum average daily balance of $2,500 is required. |
| $10,000 and upTo earn the stated dividend, a minimum average daily balance of $2,500 is required. | 0.75% | $75 | To earn the stated dividend, a minimum average daily balance of $2,500 is required. |
| $25,000 and upTo earn the stated dividend, a minimum average daily balance of $2,500 is required. | 1.00% | — | To earn the stated dividend, a minimum average daily balance of $2,500 is required. |
Heritage Savings
0.10%APY
Minimum opening deposit of $5.00. Dividends paid monthly on minimum balances of $100. Direct deposit options available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends paid monthly on minimum balances of $100.$100 and up | 0.10% | $10 | Dividends paid monthly on minimum balances of $100. |
Sources (3)
All captured Sep 19, 2026
Secondary Savings
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- gaheritagefcu.org/rates · captured Sep 19, 2026
Secured Savings
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- gaheritagefcu.org/rates · captured Sep 19, 2026
Special-purpose accounts
IRA Savings
Up to 0.75%APY
No setup or maintenance fee. Minimum opening deposit and minimum balance requirement is $500. Dividends are compounded and paid monthly. Available as Traditional and Roth IRAs.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and up$500 Minimum balance tier. Dividends compounded and paid monthly. | 0.50% | $50 | $500 Minimum balance tier. Dividends compounded and paid monthly. |
| $10,000 and up$10,000 Minimum balance tier. Dividends compounded and paid monthly. | 0.75% | $75 | $10,000 Minimum balance tier. Dividends compounded and paid monthly. |
| $50,000 and up$50000 Minimum balance tier. Dividends compounded and paid monthly. | 1.00% | — | $50000 Minimum balance tier. Dividends compounded and paid monthly. |
Christmas Club Savings
0.10%APY
Contribute as much and as often as you would like. No minimum balance requirements and no monthly service fees. Funds are transferred in October. Early withdrawal fees apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid at the time of transfer in October. Early withdrawal fees apply.Any balance | 0.10% | $10 | Dividends paid at the time of transfer in October. Early withdrawal fees apply. |
Sources (3)
All captured Sep 19, 2026
Freedom Club Savings
0.10%APY
For teenagers between ages 13 and 17. Requires $5 opening deposit, child's Social Security Card, and an adult joint owner. No monthly service fees. Dividends paid monthly on minimum balances of $100. Optional checking account available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMonthly dividends paid on minimum balances of $100. For members ages 13 through 17.$100 and up | 0.10% | $10 | Monthly dividends paid on minimum balances of $100. For members ages 13 through 17. |
Kidz Club Savings
0.10%APY
Must be age 12 or younger to qualify. Requires $5 opening deposit, child's Social Security Card, and an eligible adult joint owner. No monthly service fees. Dividends paid monthly on minimum balances of $100.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMonthly dividends paid on minimum balances of $100. For members age 12 or younger.$100 and up | 0.10% | $10 | Monthly dividends paid on minimum balances of $100. For members age 12 or younger. |
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.